Problems And Countermeasures Of The Operational Risk Management In China Construction Bank

In recent years, due to the financial deregulation and globalization of business, the speeding up of the pace of financial innovation, China construction bank entered the period of all-round development. And with the rapid expansion of business, Banks began to frequent multiple case, not only caused serious losses, but also caused great negative impact. Analysis of CCB risk cases, caused by operational risk cases account for a growing proportion, second only to the credit risk and market risk, become another big risk source of the bank. As the new Basel capital accord ", carrying out construction bank at the same time to enhance internal and external supervision, compliance and continuous regulation and requirements will be more and more strict, all of this to the operation of the construction bank risk prevention work put forward higher request.Construction bank give attention to the operational risk very late, it is still in its infancy of operational risk management, really seriously in recent years, the overall construction of bank operation risk management isn’t perfect, either on the Management philosophy, management structure and management methods, there are many shortcomings. At the same time, because of the construction bank operation risk consciousness is generally not strong, the operation risk management method is relatively backward, and lack of management experience, in recent years, caused by operational risk cases occurred frequently, some major cases, caused serious economic losses, also affect the social image of the construction bank. Therefore, correct understanding of operational risk, and draw lessons from international advanced management experience, draw lessons from management failure, and to establish a scientific and effective operational risk management system, improve the level of operation risk management has become the construction bank is in urgent need to solve the problem.