Research On The Operational Risk Internal Control Of Commercial Banks In China

In recent years,the operation and development of commercial banks in China has entered a new stage of reform and development,the operation of banks to accept more stringent and long-term supervision,the banking industry is facing a more complex operating environment.The research on the operational risk of commercial banks is sustained by the industry and academia,which has a far-reaching impact on the development of the banking industry.In China's commercial banks operational risk increasingly complex,increasingly serious losses in the background,research on the relationship between the operational risk loss amount and loss types and business areas,on the one hand,to a large extent,enrichment and development of the operation of China's financial system and banking risk events of scientific knowledge;on the other hand will be to further improve to provide a new method and means of operation risk management.First of all,this paper studies the definition and characteristics of operational risk of commercial banks in China,which is the basis for studying the statistical characteristics of operational risk loss events.In particular,the characteristics and regulation of the operation risk of commercial banks are explained,and the problems that need to be faced by the banking industry are analyzed.Then it describes the internal control,especially the relationship between internal control and operational risk of commercial banks.Secondly,through data analysis and combined with the Basel Committee for banking supervision and regulation,analysis of the characteristics and types of the banking operation risk loss occurred in China,the reasons for the study of the distribution.Study on the commercial bank for the Basel agreement under the operational risk internal control and loss amount,the type of business,loss of operational risk loss event types and the amount of regression,significant test,analysis of the relationship between the operational risk of commercial banks and internal control,and through the internal control under the guidance of the to improve business management,so as to reduce and avoid the occurrence of operational risk,provide the starting point and a new perspective for internal management.