Analysis Of The Credit Business Operation Risk And Countermeasures For Commercial Banks

Realize own value through the management of the risk in commercial bank and business development, essentially determines it will assume all kinds of risks, in June2012, the China banking regulatory commission according to the content and requirements of Basel3, to formulate the measures for the management of commercial Banks’ capital, require commercial Banks to cover should build and perfect the credit, operations, and market three risks of comprehensive risk management framework. At present, due to the imperfect corporate governance structure, internal control system is not sound, unreasonable business process, the influence of such factors as operational risks in commercial Banks in China. Operational risk at the same time, because of the complexity of its causes and uncertainty in the study of operational risk management practice and attention is not enough in-depth, recognition, measurement and dealing with operational risk is still in the exploratory stage, the operation risk management of commercial Banks in China also has many insufficiencies, still need to be further improved and continuous improvement.The assets of commercial Banks in China occupies a large proportion of credit assets, credit assets is an important source of bank interest income, is also a main area of risk. Credit risk cause complex forms, the customer default, irregularities, inadequate risk identification, factors such as information system defects, personnel problems may result in credit business risk, endanger the safety of credit funds. From the point of business practices, although the reason of credit risk is complicated, involving a variety of interior and exterior factors, but more is improper by the process design, not according to requirements operation and poor management Banks such as internal factors, to guard against operational risks is the key to the healthy development of the credit business smoothly. This article from the perspective of management, research and analysis the influence factors of business operation of commercial bank credit risk, collect and analyze related loss events to carry out empirical research, the practice and experience, draw lessons from international advanced according to the credit business operation risk is proposed to strengthen the internal control, improve the management mechanism, and the thinking of strengthening preventive measures, in order to will get some enlightenment of credit risk management practitioners. In this paper, according to the questions, analysis the reason, the thought of the solution, using the literature analysis, case studies, quantitative qualitative analysis, a total of three methods.First of all, review of operation risk management and credit business management related research results, introduced the commercial bank credit risk formation reasons and process operation. Then, the comparison international credit business operation risk management theory and technical methods and find the analysis of financial institutions in this aspect in China. And combined with a certain province branch credit business of commercial bank operation risk management practices, to expose the operational risk loss events in recent years as the research sample, detailed analysis of the four types of credit business operation risk, the influence factors of operational risk in credit business for empirical research. Finally, in view of the four types of credit business operation risk put forward the countermeasures and Suggestions to perfect the management and control risk.In this paper, based on the classical theory, the author place unit of the specific conditions of the credit business, citing credit business operation risk as an example, the operation risk of bank credit business operation risk management theory and practice closely, to avoid the pure theory and from the actual research.