Operational Risk Management Of Huishang Bank

The banking industry has a long history of understanding and research of risk, and the common topic of the financial sector in the world is mainly focused on three aspects. Credit risk, market risk and operational risk. Based on the financial institutions for the market risk and credit risk awareness and attention, the two major risk identification and prevention has been the development of priority. Operational risk as a new bank management name, in the industry enjoys a long history, in recent years, showing a high incidence of state, in the world to many financial institutions caused a very significant loss. It can be said that due to operational risk does not attach importance to led to the theory system of operational risk has not formed the market risk and credit risk of the corresponding research scale, and copy set according to the corresponding model without the operational risk and internal control and corporate governance organic link up.In this paper, through the study of operational risk and internal control research at the same time a series of domestic and foreign research results in this field, the internal links between them are discussed in this paper. Only internal control is the fundamental way to guard against operational risks.At the same time, this paper studies the three representative international banks, trying to them some good business philosophy and experience sorted out to Merchants Bank for reference. The loss data of operational risk of commercial banks at home and abroad are compared and analyzed, and the main target of the operational risk prevention of commercial banks in our country is mainly focused on the prevention of internal fraud. The clear lack of internal control system and incomplete merchants bank. In this paper, the problems and deficiencies of the micro commercial banks are illustrated with the relevant case cases. Hope that the combination of foreign banks in the prevention of operational risk areas has a long history of culture, design a set of suitable for merchants bank internal control system, to form an effective overall management framework.