Research On Operational Risk Prevention Of Credit Business Of Bank NB

As the business innovation of Commercial Bank of our country and the transformation of bank credit business, operational risk cases caused by one after another, causing huge economic and reputation losses, caused great concern of scholars and managers of the bank.This paper first describes the background and significance of research on the operational risk, explains the necessity and practical significance to study operational risk; through the literature retrieval, comparative analysis, induction and other methods for searching the Internet for review and analysis of operational risk related mature theories at home and abroad, analysis of the characteristics of operational risk, and puts forward the method research ideas. Secondly, an overview of the NB bank credit operational risk status, involves four aspects of the operational risk framework, functions and powers, the daily management and risk analysis, pointed out that the NB bank in risk prevention awareness, prevention system, check the defects of mechanism, control ability and incentive mechanism in the absence of ideas, thought, framework, process and loose blind spot backward means is the main causes of operational risk of NB bank. Third, based on the analysis of current status and problems, from the cultivation of culture, system, process optimization, long-term mechanism, enhance the science and technology and strengthening the monitoring of six aspects, put forward to improve the NB bank credit operational risk prevention strategies and measures.Through this paper, hope to the credit business of commercial banks operating risk benefit.