Research On Operational Risk Management Of Commercial Bank

The frequent occurrence of the current financial case caused huge loss of the banking industry, which caused a serious impact on the development of commercial banks.Operational risk is the weakest link in the risk management of commercial banks, which greatly interferes with the normal operation of financial supervision institution and commercial banks. In June 2004, the Basel Committee on Banking Supervision Committee operational risk to be included in the New Basel Capital Accord, and the credit, market of the traditional two risks tied to become the third largest risk of commercial banks, which marks the international financial community of operational risk awareness and attention to rise to a new stage. Operational risk management is one of the important topics in the risk management of modern banks.The Construction Bank of China and the international active banks, in compared to a professional specialized banks and other significant operational risk exposures of the bank, on operational risk identification, measurement evaluation, sustained management risk control report etc. are in the initial stage, while establishing a set of corresponding effective operational risk management system, but in the actual operation of the process has many loopholes, resulting in frequent cases of financial momentum still can not be effectively controlled. In this paper, combined with the author's own work experience, and then combined with the actual operation of China Construction Bank, explore practical and feasible method of implementing operational risk management system.In this paper, we first explain the operational risk research background and significance, the domestic and foreign related research status and shortage of; then according to the related theories and practice discussed how to define its connotation, main features, causes and measures etc.Through the introduction and research of Jilin Province branch of the China Construction Bank operational risk management status, based on the actual operation situation of Jilin Branch of China Construction Bank, analyzes the bottleneck of the operational risk management of China Construction Bank. The according to many years in the branches of commercial banks of the working experience of management, the main analysis of the Jilin Branch of China Construction Bank business operations of the branch links in the presence of illegal operation of special treatment. The before and after the treatment of the operation risk compared, pertinence put forward from root to prevent operation risk, just build a set of perfect risk management mechanism is not enough, in the concrete implementation of the relevant measures also increased supervision, to improve the lot of loopholes in the existing operational risk management system.