Study On Accounting Operational Risk Management Of Ningbo Commerce Bank

With the advance of interest rate liberalization and the impact of Internet finance,the global economic slowdown and the financial risks increase sharply.In recent years,commercial banks have emerged varying degree rebound of non-performing loans,internal management loopholes,evaporation of deposits,and other operational risk cases which caused huge losses and impact."Operational risk" also attracted a growing number of commercial banks' concern and attention.Accounting operations include accounting counter business management and accounting integrated management.Accounting operating activities widespread in the operation and management process of commercial banks.Every business accounting of commercial banks is required to operate through accounting operations.Therefore,the forms of accounting operational risk are particularly diverse.How to effectively identify and control the accounting operational risk? How to establish a scientific and efficient accounting operational risk management system? How to effectively enhance the risk resilience of commercial banks? They are very important to the commercial banks especially the medium-sized city commercial bank whose risk prevention capacity is relatively weak.As a city commercial bank founded only three years ago,Ningbo Commerce Bank completed a difficult run-in in staff,institution,system,and structure.It has completed the preliminary setup of operational risk management of accounting operational and achieved the goal of zero cases and zero loss of funds in three year's operational accounting.However,the accounting operational risk management of Ningbo Commercial Bank still exists many other problems such as the risk management system is not perfect,the system design and system process defects,personnel system execution is not strong and inadequate supervision and inspection.This article researches and analyses the problems existing in accounting operational risk management of Ningbo Commercial Bank and the basis of experience and practice of accounting operational risk management of domestic and foreign commercial banks,combining with the characteristics of the Ningbo Commercial Bank,from advance warning,things in control,post-supervision three dimensions propose to strengthen the diversity personnel management,improve the prevention and support force of system,establish pre-warning system,improve the risk index monitoring system,strengthen positions management,strengthen business processes authorize,implementation reconciliation management and afterwards supervision electronic,go deep into examination and auxiliary work measures,and to develop a gradually phased embodiment,in order to guide work and practice.