A Study On Operational Risk Management Of Commercial Banks In China From The Perspective Of Internal Control

With the rapid development of social economy,commercial banks continue to expand their business areas,in the rapid development of the business at the same time,but also face a number of risks,especially the operating risk is increasingly prominent.A series of financial cases caused by operational risk bring huge losses to commercial banks,which has aroused wide attention at home and abroad.To enhance the operational risk management ability is the necessary requirement to ensure the healthy and stable development of the banking industry.Financial experts generally believe that due to the operational risk of endogeneity,concealment,extensive and difficult to quantify and other characteristics,so the control and prevention of operational risk is a daunting task in front of us.China's commercial banks to the operational risk management research started late,in recent years in promoting the national macroeconomic policy and banking supervision departments,began to internal control theory was introduced into the operational risk management process,the construction of internal control of commercial banks achieved initial success,but due to management problems led to the failure of internal control the operational risk has not yet been effectively eradicated.Base on the above background,this article starts from the relationship between internal control theory and operational risk management of commercial banks,the article also introduces the definition,formation and development of internal control theory and the definition,characteristics and classification of the operation risk.On the basis of theoretical research,the status quo of China's commercial banks operational risk management were analyzed,and pointed out the deficiencies of the theory of operational risk management of commercial banks of our country,reveals the problems and difficulties of operational risk management in commercial banks of china.A bank is the first entirely by corporate shares of joint-stock commercial banks,branches,the number of employees,capital strength,risk management is a representative in China's commercial banks in risk management.In this paper,through the analysis of the current situation of operational risk management of A bank and the introduction of operational risk cases,this paper analyzes the existing problems of operational risk management from several aspects of internal control.Then from the aspect of internal control culture and risk management system,supervision mechanism and other deep-seated reasons,and measures for the management of operational risk of Chinese commercial banks to put forward the perspective of internal control,which accords with the requirements of operational risk management,and combined with the actual situation of the operation risk management of domestic commercial banks at present,hope to further improve the level of operational risk the management of China's commercial banks,strengthen risk prevention ability.