Study On Operational Risks Management Problems And Countermeasure In Wuxi Rural Commercial Bank

Financial institutions play a very important role in promoting development of national economy.In recent years,after the state attaching great importance to the development of "agriculture,countryside and farmers",trend of agricultural scale management is more and more obvious and funding requirements of agriculture and rural areas increase,so as to some rural commercial banks flourish.Banking industry's rapid development could really bring great vitality to economic growth,but at the same time,there are also huge risks,especially on some rural commercial banks with less mortgage assets,because the development scale is generally small and financial business of agriculture and rural areas is explored preliminarily.Under this background,this thesis takes Wuxi Rural Commercial Bank as an example and analyzes operational risk and the countermeasures of rural commercial banks in our country is very necessary.On the basis of research background and relevant theories analysis,this thesis analyzes staff's operational risks management status and problems in Wuxi Rural Commercial Bank.In employees' operations,its main practices include strictly implementing national laws and regulations,pushing system construction such as the processing bank,strengthening technical support,carrying out special risk governance,organizing publicity and education activities;the main problems are lack of the strategic objectives related to operational risk management,lack of a unified operational risk management system.What's more,the risk identification is not comprehensive,the evaluation on operational risk factors is not scientific,and the operational risk control is weak.Main reasons of above problems are that regulators do not attach importance to the operational risk in thought;bank's governance structure is not perfect;internal audit control system is deficient;personnel construction is hysteretic;bank's information construction is low,and enterprise cultural construction is lagging behind.It focuses on the analysis of framework construction,which should include three major systems of risk identification,risk assessment and risk control.Among them,risk identification system fully identifies corresponding risk factors with brainstorming method,and distinguishes relevant operation risk factors with Delphi method,so come to a conclusion that the operational risk factors which closely related to Wuxi Rural Commercial Bank;risk assessment system primarily consists of single evaluation method and comprehensive evaluation method;risk control system mainly includes direct control measures such as risk acceptance,risk aversion,risk transfer,risk mitigation,risk utilization,and indirect control measures which adopting project-oriented management so as to risk control from the whole process of operation.It also analyzes safeguard measures on staff's operational risks management,mainly includes to determine the strategic objectives of operational risk management,improve the property rights governance structure,strengthen the internal audit control,enhance the talent team construction,improve the information management system and strengthen the corporate culture construction.The innovation of this thesis mainly is in the following aspects: firstly,combining with the actual situation of Wuxi Rural Commercial Bank,it analyzes the outstanding problems existing in operational risk management,some of which are found in practice and analyzed innovatively combining with cases.Secondly,it assists Wuxi Rural Commercial Bank to design a set of risk management system,including risk identification,risk assessment and risk control,of which many ideas and measures are initiative.Thirdly,in implementation of operational risk management.Due to the grasp of basic theories is not deep enough,so the analysis on certain problems is not thorough enough,and some countermeasures are not very accurate and appropriate.All that need continue to strive and improve.