Operational Risk Prevention Strategy Of Commercial Banks A Commercial Bank As An Example

With the rapid development of market economy,the market competition is more and more intense,commercial banks continue to develop in the market competition,but also continue to realize the importance of commercial banks operating risk management,and constantly explore and search to promote enterprise development and adapt to enterprise Risk management practices,and continuously enhance the bank's risk resilience,risk control capabilities and bank risk regulatory capacity.Relativing to the credit risk,market risk,operational risk is the most direct and common risk faced by China's commercial banks in the course of business.Therefore,the operational risk management level of commercial banks has become an important criterion for evaluating the level of bank management.This paper summarizes the present situation of risk management and the relevant risk management theory of commercial banks,and clarifies the importance of the operational risk control of commercial banks,and chooses A commercial banks as the main research case,A commercial banks current risk management has a certain Representative.The paper of analyzing the current situation of operational risk management and the problems existing in operational risk management of A commercial banks,and thinks that although the commercial management system has established the risk management system,the operation risk reporting process is also stipulated,but still exists Low risk of operational risk,operational risk management methods and backward technology,information systems and other issues.According to the analysis of the status quo of the operation risk management of A commercial banks and the analysis of the questionnaire,it clarifies the reasons for the problems in the operation risk management of the commercial banks,mainly for the imperfect internal risk management system,which is mainly reflected in the imperfect operation risk management framework,Incentive and restraint mechanism is imperfect,operational risk management awareness is weak,the quality of staff to be improved,and the information system is not perfect.In view of the above problems,this paper puts forward the concrete measures of the commercial banks to strengthen the operational risk management,including improving the risk management framework,strengthening the construction of the operational risk managementculture,raising the professional quality of the bank employees,establishing the scientific and reasonable incentive and restraint mechanism,System to train risk management professionals,to strengthen operational risk data and management information system construction.The innovation of this paper is based on the theory of operational risk management,and points out the problems and problems in the operation risk management according to the actual operation risk management of A commercial banks.At the same time,the practical measures are put forward.According to the business data of A commercial bank for nearly three years,the paper analyzes the measures that should be taken in the development process of A commercial banks.The research process is practical and practical,and has some practical guidance significance.