Research On The Design And Improvement Of The System Of Operational Risk Management In Commercial Bank

Banks used to control operational risks with internal control or insurance. In recent years, the development trend of financial globalization is strong. The development of science and technology changes with each passing day. Highly automated technology is widely used in financial institutions. E-commerce grows rapidly and the number of large-scale mergers and consolidation is increasing. Financial institutions make use of various complex financial techniques to reduce market risk. With the change of the entire environment, it is increasingly difficult to identify and control all kinds of operational risks. Therefore, the operational risk is paid more and more attention. In addition, major cases resulting from operational risks always happen, which brings a bad effect to the property and reputation of commercial banks. Regulators are enhancing supervision of operational risk management of commercial banks. Commercial banks look forward to establishing an effective management system and mechanism of operational risk, which can improve the ability of operational risk management.This article is based on related theory about operational risk management system, combining the characteristics and actual situation of PZ Rural Commercial Bank. It uses theory on management of system and process, internal control and enterprise risk management. PZ Rural Commercial Bank proposed operational risk management and control system solutions in terms of organizational structure, processes, information technology, management methods. Analysis of the construction of operational risk management of PZ Rural Commercial Bank and its problems, and at last propose some improvements. Do research on Operational Risk System for the necessity and feasibility of commercial banks. Lay a better foundation for future practice in the banking process and implementation of the project team in the promotion of operational risk management system. Of course, in the practical application of the process, due to the different circumstances of each actual commercial banks, according to the actual situation may need to constantly adjust and optimize the system-building programs.