Research On Operational Risk Management Of SME Credit Business In S Bank N Branch

In recent years,SMEs have become an indispensable part of China's economic development.It has become a strategic task for many commercial banks to improve financial services for high-quality SME customers.As a result,the financing business of SMEs in commercial banks is growing rapidly.Due to the characteristics of SMEs and the pressure of the general market economic environment,credit risk is highlighted and accompanied by more serious operational risk.The major domestic commercial banks lack the ability of operational risk prevention and management,so there are a large number of cases of overdue loans and bad assets disposal of small and medium-sized enterprises due to operational risk management and control is not in place.Such a vicious circle makes the financing of SMEs more difficult.How to effectively and scientifically implement operational risk management has become the most concerned and urgent problem of theorists,banking sector and regulatory authorities.In this context,this paper,through the collation and induction of operational risk and other theoretical concepts,briefly introduces the relevant theories of operational risk research at home and abroad,focusing on S Bank N Branch SMEs credit business development status,departmental structure and wind control process of the status quo,analysis and evaluation,to identify Problems and causes in operational risk management.Through further analysis,it is believed that the reason for the problems lies in the Department structure,personnel factors,incentive and restraint mechanism is not in place,and the risk assessment method is not perfect.Finally,the paper puts forward some countermeasures from the following aspects:adjusting the organizational structure,improving the quality of personnel,improving the incentive and restraint mechanism,improving the rating and evaluation system.Aiming at the problems in the development of SMEs' loan business,this paper makes a thorough understanding and analysis of the actual situation of SMEs'business in S Bank N Branch through on-the-spot investigation.On this basis,a set of feasible risk management methods are put forward,which can effectively guide the healthy development of SMEs' business in the Bank and make it possible for them to do so.It has good practical significance.At the same time,this study aims to standardize and improve the business processes and mechanisms of SMEs,but also provides a general theoretical significance for other commercial banks in the implementation of SMEs in the process of operational risk management.