Operation Risk And Control Research Of China Citic Bank,Hebei Branch

Operational risk control is the most important work of commercial banks.It is the lifeblood of commercial banks.In recent years,with the rapid development of China's commercial banks and increasing the number of branches,the uneven quality of bank staff and non-standard operating procedures caused the operational risk of commercial banks rise.Operational risk of credit and bank depositors economic interests caused great negative impact.In this study,Hebei Branch of China CITIC Bank for the study of China's commercial banks operational risk study.This study analyzes the specific circumstances of Hebei Branch of China CITIC Bank Operational Risk Control,found that China CITIC Bank branch in Hebei counter business,credit card business,credit services and audit services exist in operational risk issues.Hebei Branch of China CITIC Bank summed up the experience and lessons learned in operational risk control in the study,we figured out why the Hebei branch of China CITIC Bank occurrence of operational risk,mainly include: First,the lack of knowledge of operational risk;Second,the operational risk regulatory mechanism is not perfect;Third,the operational risk control methods backward;Fourth,the bank's internal management issues outstanding.Through specific case studies Hebei branch of China CITIC Bank,China's commercial banks combined with the problem of operational risk and the reasons put forward policy recommendations Hebei Branch of China CITIC Bank to control operational risk,mainly include: First is to raise awareness of operational risk control,self-discipline to strengthen ethical bank staff;Second is to strengthen the organization and develop a system of operational risk control organization;Third,standardize the bank's internal operational processes,reduce operational risks;Fourth is to strengthen the construction of information network security,avoid information network operational risk;Fifth is to establish operational risk emergency response plans to control the negative impact of operational risk.In this study,the commercial banks operational risk control as a research subject in Hebei Branch of China CITIC Bank as samples,analyzes the status quo of Hebei Branch of China CITIC Bank operational risk and causes.In this study,according to the crux of the proposed control Hebei branch of China CITIC Bank operational risk policy proposals in the hope of having a certain theoretical and practical significance to the steady development of commercial banks.