Risk Management And Internal Control Of DZ Commercial Banks Operating In Texas

Since the birth of the bank is an industry with high business risks,sustainable development banks largely by the impact of science and effectiveness of its risk prevention and management measures.The moment,the bank's main operating risks,market,credit three areas.Comparison of three risk categories,the latter two have long been valued by banks and other financial institutions,but also develop a very comprehensive risk management system.Although operational risk is not only now emerging,but has not been highly valued bank and the relevant regulatory authorities.After the 1990 s,the banking sector there have been many significant operational risk events,some commercial banks suffered huge financial losses,its social image has also been hit hard,thereby making theorists,academics more and more attention to the bank's operational risk problem.Since China started late in the awareness of operational risk,for operational risk definition,classification and management methods have different opinions,so far do not have a unified theoretical system.From the academic point of view now,for operational risk research is still draws on credit risk and market risk research ideas and methods,mostly based on the angle measurement model to study and perhaps Management Framework operational risk management,internal control theory research to be further deepened.In this paper,some important research results of commercial banks operational risk first summarize and further study the basic theory of operation of the internal control risk,operational risk and other definition and classification of terms,trying to sort out the relationship between operational risk and internal controls,and to arrive at operating The most effective way to manage risk is to carry out the conclusions of an internal control,thereby laying the foundation for the following research.In addition,specific risk management situation by Shandong DZ commercial bank operations research has analyzed the cause of the bank's operational risk mainly from non-standard internal control mechanisms,according to the internal control environment and atmosphere,the internal control supervision,internal control of informationcommunication channels,internal control and internal control program management to further elaborate the operational risk of commercial banks in Shandong DZ Cause.Then control the current situation and issues related to the operation according to the Shandong DZ commercial bank internal risk,operational risk and puts forward measures to improve internal controls.