The Risk Harm And Prevention And Control Of Bank Operation In The Absence Of Social Credit System

In the era of rapid development of social economy in our country,"credit" plays an important role in social construction and economic development as an indispensable communication bridge between economic individuals.At present,our government and all walks of life have paid extensive attention to the necessity of building and improving the social credit system,and have made many actions for it,but the bad factors that hinder the economic development and social operation caused by the lack of credit system still exist.The imperfect credit system will have a negative impact on the development of social economy,culture,politics and other aspects,and the position and role of credit in economic activities is particularly prominent.In the modern economic system of our country,banks play an important role.The lack of social credit system has a complex impact on the bank's operational risk,which will restrict and hinder the development of our social economy.Therefore,in the face of the current situation of the lack of social credit system in our country,we need to take the bank operation risk as a breakthrough point,and make a deep understanding and analysis of it,so as to take targeted,scientific and feasible measures to prevent and control the serious harm to our economic society.This paper uses the methods of observation,case study and literature study,combined with the author's practical work experience,to analyze the performance of the lack of social credit system construction and its impact on the bank,the presentation of the operational risk of G branch of Agricultural Bank of China under the lack of credit system and its impact on the public domain,and through the practice and experience of credit system construction at home and abroad Based on the analysis and reference,this paper puts forward countermeasures to prevent and control the operational risks of Chinese banks from five aspects:strengthening the construction of social credit culture,promoting the infrastructure construction of credit investigation system,ensuring the stable operation of credit mechanism,maintaining the healthy development of credit industry,and building a long-term guarantee mechanism of credit system.This paper analyzes the current situation of the lack of social credit system in China and its adverse impact on the operational risk of banks,and calls on the government to speed up the construction process of social credit system and strengthen the maintenance of social credit system,which has certain practical significance for the construction of social credit system in China.