S Commercial Bank Operational Risk Management Research

With the rapid development of global economy and society, the modern banking financial services business expanding, the explosive growth in the financial innovation, at the same time brought the risks to the banking business is, Banks to each kind of risk control, determine the survival of the bank. Which is produced along with the commercial Banks operating risk in commercial bank, but with the development of the banking sector, the operation of the Banks face increasingly complex and hidden risks, puts forward higher requirements for the risk control of commercial Banks. After the 1980 s the international banking industry, a series of major operational risk events affected Banks suffered huge property losses, have many negative effects to the society. This a series of major operational risk events caused the banking, attaches great importance to the regulatory authorities, the scientific prevention and management of the banking operation risk on the agenda. Understanding of banking operational risk in our country started relatively late and research, the lack of mature operation risk control experience.S commercial Banks in our country belongs to the set up earlier large joint-stock commercial Banks, asset size, and number of employees, business office, organization is relatively complete, with a series of basic characteristics of commercial Banks, especially in the face of the risk management of typical representative. Based on our country commercial bank management practice as the starting point, from S commercial Banks operating risk management system, process, internal control and operation risk management analysis, closely around the theme operational risk control, advanced operation risk control experience at home and abroad for reference, at the same time, the research and discusses the S commercial Banks and even the entire banking industry to strengthen common operation risk management countermeasures and Suggestions, including perfect operational risk management system, perfecting internal control operation risk management processes, strengthen the operational risk management infrastructure and cultivating operation risk management culture, etc.