Research On The Early Warning Model Of Rural Commercial Bank's Operational Risk

County economy has developed rapidly in recent years,In the county economy,the financial market is also growing,and further promote the development of county economy.The County Rural Commercial Bank(hereinafter referred to as the predecessor of rural commercial bank,rural credit cooperative union),is the product of the reform of rural credit cooperatives in recent years,and its rapid development has played an important role in the rapid development of county economy.After the reform of County Rural Commercial Bank continues to develop at the same time,the risks are accumulated.The county rural commercial bank financial resources are relatively scarce,increasing its operational risk,and to a large extent the rural commercial bank reasonable intervention on the efficient allocation of resources,business risk is bound to affect the development of county economy and the rural commercial bank.Therefore,how to detect and prevent the county rural commercial bank management risk effectively,become an important problem facing the County Rural Commercial Bank.The first face of causes of business risk County of agriculture and commerce bank in theory layer,and the construction of county rural commercial bank management risk early warning model,through the relevant evaluation index selected relevant evaluation principle,construction of county rural commercial bank management risk early warning model,and early warning evaluation of the risk management of County Rural Commercial Bank.Then,the object of county rural commercial bank operating risk in some areas of Shandong Province as an empirical analysis of the selected indicators,confirmed that the level of business risk in the area of agriculture and commerce bank,The scientific and feasibility of early warning model is established to verify the.Finally,put forward some suggestions and measures,in order to help the positive effect on the prevention and control of the county rural commercial bank management risk.This paper constructs the county rural commercial bank more feasible operating risk early-warning model,system of management risk formation mechanism and transmission mechanism of County Rural Commercial Bank,summarizes the former research achievements,and according to the county rural commercial bank risk management's own characteristics,to supplement and improve the relevant data,and ultimately build the County Rural Commercial Bank relatively perfect risk management evaluation index system.Another innovation is the county rural commercial bank operating risk quantitative analysis.Build the county rural commercial bank management risk early warning model,and to the level of business risk on County Rural Commercial Bank's quantitative analysis,the design effect of the county of agriculture and commerce bank operating risk early-warning evaluation index system.The county rural commercial bank management risk early warning,and take scientific and effective measures to deal with the county rural commercial bank management risk,improve the quality of credit management and other aspects,the liberation of hidebound management philosophy,change old ideas,should be aimed at the problems and difficulties existing in its operation and management,take scientific and effective prevention measures.