The Research Of Credit Operational Risks Management And Preventional Control Measures-based On C Bank Y Branch

Banks play an important role in economic activities,but also a business venture,the bank's risk control is good or bad,is directly related to the bank's life and death.The operation risk of the bank credit is a new risk which was put forward in the last century in 90s,so the research and prevention of the operational risk of the state-owned bank is only twenty years,but it is still in the primary stage.Over the years,at home and abroad have been operating in various areas of risk cases,these events are generally not predictable,so often occurs when financial institutions caught unprepared.At the same time,this kind of operational risk cases the consequences are very serious,not only to the bank to bring greater economic losses,but also brought impact on the reputation,hindered the virtuous cycle of the future development of the banking industry.In order to better prevent the operation risk of the banking sector,the Basel Committee issued the "new Basel accord" in 2004,will be officially included in the bank operation risk banking regulatory requirements,the agreement provides the bank must prepare the necessary capital for operational risk,the "new Basel Capital Accord" in these regulations played a positive limit the role of promoting the theoretical research and practical operation of the operational risk management of commercial banks.At the same time,it also shows that the operational risk has now been highly valued,and market risk,credit risk has become the top priority,becoming the first problem to be solved.Some of the existing on the basis of the article mainly describes the current status of the operational risk management of domestic commercial bank credit,according to the study of operational risk in credit business of bank C occurred,the clear operation management mode at this stage risk problems,and puts forward some corresponding suggestions to solve the problem.Can be divided into the following three parts:first,elaborates the background and significance of the research on the operational risk of commercial banks,and explain the importance and necessity of the research on operational risk of commercial bank credit business;through literature review,comparative analysis,summary and network retrieval and so on many kinds of ways to the domestic and foreign current situation of operational risks comprehensively.Analysis of the characteristics of operational risk of commercial bank credit business,and puts forward the research methods and ideas;secondly,summarizes the status quo of the C bank credit business operation risk,operational risk according to the organizational structure,responsibilities,authority and daily management risk combing these four aspects,and points out that C banks exist in the prevention awareness,prevention system,inspection mechanism,management the ability and incentive mechanism and so on the problems in the daily management,thought control concept vacancy,loose structure,business flow of C bank The process and method of blind spot is the main reason behind the present stage credit business of C bank operational risk problems;finally,according to the present situation foundation,from culture,system,process optimization,long-term mechanism,improve technology,strengthen the monitoring of some aspects,puts forward the Countermeasures of prevention and management of operational risk of bank C.The research method of this article is combining normative research and case study,after the access to a large number of references,and on the basis of the analysis summary,reoccupy statistical analysis combined with case analysis,in view of the C bank Y branch current management status of credit business operation risk,put forward about how to strengthen the company's credit business operation risk management suggestion measures,make bank of C bank Y branch company of credit business management system can be further perfect,so as to optimize the credit operational risk management organizational structure,improve the ability of controlling the credit risk.The deficiency of this article mainly include the following:because the domestic commercial Banks operating risk database established time late,the collected data and incomplete,and some have the limitation of data there are a variety of reasons,so the analysis of our country commercial bank credit business management,some of the data analysis is restricted,to some of the above mentioned data representative still not tall enough,has yet to be improved in further research in the future.