A Study On The Operational Risks Of Enterprise Credit Collection And Commercial Banks

As an integrated service for corporate information collection and recruitment,corporate credit has played a multi-faceted role in reducing transaction costs,increasing information transparency,and providing post-monitoring between banks and enterprises,and has been widely applied to bank-enterprise business development.In the process.However,the corporate credit information in our country is still not perfect.Commercial banks also have many imperfections in the adoption and use of corporate credit information,which easily leads to the birth and increase of corresponding operational risks.Under this background,this paper takes the operational risk of commercial banks as the analysis object,selects the "Qingdao Port Financing Cheat Credit Case" as an example,and analyzes the process of applying enterprise credit information to commercial bank business to analyze the operational risks caused by corporate credit information.The birth process provides a new idea for effectively avoiding the birth and expansion of operational risks.First of all,in order to study the impact of corporate credit information on commercial bank financing and loan business,this paper analyzes the three aspects of the quality of corporate credit,the role of corporate credit information in the business process,and the mechanism of corporate credit risk resulting from operational risk.It is found that the quality of corporate credit information will effectively affect the follow-up operations of commercial banks in the loan business.Information asymmetry and transaction costs are the causes of operational risks.The processing and application process of corporate credit information will also lead to operational risks.The birth and increase.Secondly,in order to explore the process of the occurrence and change of operational risk in the process of enterprise credit application,this paper classifies the operational risk from the traditional internal factors and external factors into two categories:the people,processes,and systems in the internal factors.Poor handling of corporate credit information can trigger the birth and increase of operational risks.Afterwards,the paper analyzes the "Qingdao Port Financing Cheat Credit Case" and analyzes in detail the poor handling of corporate credit information in this case.There are personnel inaction,missing key personnel,processes fail to be updated in time,and the process is not noticeable.Improvements and failures in the collection of system information have failed to effectively avoid the occurrence of operational risks.In the end,this paper proposes suggestions for improving the quality of corporate credit,training professionals,rationalizing the distribution process,establishing corresponding systems,and adjusting management methods in a broad environment where corporate credit information is widely used.The birth and increase of operational risks in the application and adoption of enterprise credit information have brought forward a new way of thinking for the prevention and control of operational risks.