Operational Risk Management Of A Branch Of Industrial And Commercial Bank Of China

As a special business of business risk,commercial banks have always been in a variety of risks from the date of their birth.In the early development of international banking industry,operational risk based on the theoretical research and the system specification is relatively lagging behind the research and regulation on credit risk and market risk,until the British Bank of Bahrain bankruptcy,Basel Committee clearly put forward the operation risk and credit risk,the market risk of coexistence of three substantive risk.Domestic commercial banks on operational risk management research started late in the international banking industry,since June 2007,the CBRC issued the "guidelines" operational risk management of commercial bank documents,domestic scholars carried out extensive research on the operational risk of commercial banks,especially large commercial bank in the Banking Regulatory Commission issued the "guidelines" for the standard,and gradually build improve the operational risk management framework within the bank.Over the past 10 years,the operational risk management of domestic commercial banks has made great progress and development,but the overall management level needs to be further improved.Cases of the operational risk of domestic commercial banks repeated,such as the 2016 Beijing branch of the Agricultural Bank of 3 billion800 million yuan of paper bills Woan,Beijing Minsheng Bank Hangtianqiao branch in2017 3 billion major cases of false financial and so on,the losses caused to the bank too horrible to look at extremely bad social impact,and also attracted the attention of regulators.As a large state-owned commercial bank in China,it is of great significance to study the operational risk management of the industrial and Commercial Bank of China.This article from the industrial and Commercial Bank of A branch started from A branch of operational risk management,operational risk index of weak links,operational risk forms,operational risk characteristics,causes of the risk,operational risk identification,assessment and measurement of the comprehensive detailed discussion and analysis,and the introduction of innovative models of operational risk monitoring and supervision management scenario reduction analysis,finally aimed at the industrial and Commercial Bank of A branch of the operational risk management of the actual situation,starting from the angle of daily work,put forward effective operational risk management can be achieved easily,landing and strategy suggestions.Through the above research,to reveal the operational risk management status and existing problems,the use of big data thinking,the introduction of supervision model for monitoring,identification and management of operational risk,to reduce the number of cases of operational risk loss of industrial and Commercial Bank of A branch,to enhance the level of operational risk management of commercial bank A branch,and gradually establish a strict system of operational risk managementeffectively,in order to provide the policy-making basis for the management and operational risk management of ICBC A branch target.