Research On Operation Risk Management Of Ji'nan S Commercial Bank

With the current global economic development and financial risks,the world's financial institutions began to gradually pay attention to their own risk awareness,and China's financial industry is facing the global economy challenges,Coupled with the financial business innovation,to the commercial bank business increased the risk.In June 2004,the Basel Committee formally incorporated the bank's operational risk into the framework of venture capital calculation and regulation in the New Capital Accord and allocated a certain amount of funds to operational risk prevention work.In contrast,China's commercial banks,the management of its business risk situation is not optimistic,which for the development of domestic commercial banks is very unfavorable,the losses caused by the bank will be extremely serious.Based on the literature research,this paper uses the CAMELS evaluation method to evaluate the capital adequacy ratio,asset quality,management level,profitability,asset liquidity and sensitivity degree respectively.Based on the idea of CAMELS assessment method,this paper uses the method of questionnaire to investigate the individual members in S commercial bank employees in Jinan City,and also analyzes the six aspects of the evaluation method.CAMELS assessment methods and questionnaire methods constitute a macro overall and micro individual level of two levels of in-depth evaluation analysis,the bank published statistical data for quantitative analysis,Jinan City,S commercial banks operating risk status:(1)the capital adequacy ratio is high-quality,but the capital adequacy ratio is declining;(2)the asset quality level ishigh-quality,but the proportion of non-performing assets is low,the risk of non-performing loans is bigger;(3)the management level is high-quality,but there is still a lot of room for improvement in talent,management system,management tools,etc.;(4)level of profitability is acceptable,but the market is highly competitive,it still need to improve innovation to enhance competitiveness;(5)asset liquidity is low-quality,the bank is the short boardof risk management,it needs focus on the rational use of financial markets,pay attention to risk diversification;(6)the degree of sensitivity is acceptable,but the risk early warning system needs to be built.In view of this situation,this paper puts forward the countermeasures of risk prevention from four aspects:asset quality,management level,asset liquidity and market sensitivity.We also put forward stagey based on market risk,operational risk,credit risk and liquidity from the perspective of business risk category Risk,interest rate risk,policy risk.StrengthenING the management and prevention of commercial banks' business risks to promote the stable development of national economic development and society,and to promote the realization of safe management of commercial banks and help to better meet the requirements of economic development and change.This paper analyzes the current problems and countermeasures of commercial banks in business risk management,and aims to provide practical strategies and suggestions for the management of risk management in Jinan S commercial banks,also in order to promote the steady development of commercial banks as a whole.