Risk Problems In The Development Of Baode Country Bank Of Jiangsu Danyang

In order to solve the problem of supply and demand in rural areas and the competition of supply and demand in the State Council,the China Banking Regulatory Commission began to adjust and relax the access conditions of bank financial institutions in rural areas,allowing various types of social capital to participate in the formation of rural villages and towns.After many years of development,the rural banks in rural areas gradually explore a way with Chinese characteristics,through the differential management and other means to achieve profitability,in line with the development of rural finance.But at the same time,we also see a lot of rural banks in the development of a variety of financial risks,including operational risk is a typical representative.This article aims to discuss the operation risk and management of Danyang Baode village bank in Jiangsu,and put forward the corresponding methods and suggestions.This paper firstly expounds the background,purpose,research ideas and methods of the research on the operational risk management of rural banks in Danyang Jiangsu.First the operational risk were suitable for China’s rural bank management definition,then from at home and abroad in recent years,the occurrence of operational risk events find operational risk characteristics,and also studied the domestic and foreign rural bank the operation risk management situation and the existing problems,found that rural banks in the operational risk management exist more problems,also from rural characteristics of rural banks face operational risk properties and methods.The business location and characteristics of rural banks in the context of "serving the agriculture,farmers and rural areas".This paper analyzes the current situation of the operational risk of rural banks in Danyang Baode Jiangsu,analyzes the problems of the development of rural banks in the development of the village bank,and analyzing the causing of the problematical.At last,by analyzing the salts of the analysis of Danyang Baode Jiangsu rural banks operating risk management principles,from different perspectives to analyze the village bank operational risk management in response measures,and put forward the corresponding suggestions.The study concluded that:the first,management system,internal audit system,the governance structure,the function setting,the operational risk management culture and organization structure is especially important for rural banks operational risk;the second,administrative supervision personnel overall quality construction,industry associations play a positive role in rural bank operation risk;the third,external environmental governance management:one is to ensure the full disclosure of information;the two is to achieve the strict market norms and constraints;the three is to external supervision to constantly improve and standardize.