Research On The Operational Risk Management From The Perspective Of Internal Control Of PSBC YC Branch

Operational risk,as one of the three major risks of commercial banks,widely exists in the operation and management activities of commercial banks.Improper operation risk management will bring serious harm to the safe operation of banks.In the current social and economic environment,China's commercial banks are confronted with complex factors,which will make the operational risk management of banks more difficult.On the basis of summarizing the basic situation and operational risk of PSBC YC branch of,this paper analyzes the shortcomings of operational risk management of YC branch from the perspective of internal control,and puts forward some countermeasures to strengthen operational risk management.This paper analyzes the causes of operational risk incidents in PSBC YC branch,including weak internal eontrol environment,insufficient risk assessment,imperfect internal control activities,imperfect information and communication mechanism,and insufficient supervision and evaluation.This paper analyzes the countermeasures to strengthen operational risk management,mainly including optimizing the internal control environment of banks,improving the risk assessment system,improving operational risk management and control activities,improving information and communication mechanisms,and building a sound supervision and evaluation system.To optimize the internal control environment of banks,we need to improve the organizational structure,improve the management system and strengthen staff education.To improve the risk assessment system,it is necessary to fully identify operational risks in time,use scientific methods to assess risks,and establish a risk self-assessment mechanism.To improve operational risk management and control activities,we need to constantly improve and strictly implement the business system,strictly implement the authorization system,implement the reconciliation system,strictly implement the collateral management,strictly implement the due diligence system,and effectively implement the business inspection system.To improve the information and communication mechanism,we need to improve the operational risk information management system,improve the business processing system,improve the business monitoring system,strengthen the maintenance and management of information systems and disaster preparedness mechanism.To build a perfect supervision and evaluation system,it is necessary to carry out internal control evaluation in time and strengthen the overall supervision of internal control.This study will help PSBC YC branch to stabilize the foundation of internal control,standardize the practice,reduce risk losses,meet regulatory requirements and contain case risk,and also have reference significance for other commercial banks.