A Case Study On Operating Risk Of Commercial Bank

With the uncertainties of the external environment rising in recent years,the importance of preventing and controlling financial risks is increasing day by day.Operational risk,as a short board of risk management in banking industry,is far from mature in prevention and control structure,procedures and methods.Therefore,this paper has important theoretical and practical significance for China's economic security.On the basis of the existing research results,this paper explores the operational risk management of commercial banks by means of normative analysis,case analysis and institutional analysis.The first part is the theoretical analysis,which combs the concept,characteristics and types of operational risk,and then combines the current situation of operational risk management of commercial banks in China to analyze the procedures and methods of risk prevention and control.The second part is a case study,which analyses the control measures and effects of operational risk of Bank C from four aspects:personnel,process,external fraud and information system.In order to control the fraud and negligence risk of internal employees,it is implemented from the aspects of centralized authorization,centralized auditing,intensive production organization and staff evaluation.In order to strengthen business process execution,process automation can be promoted,logic judgment can be added to the system,and computer control can replace human control.In order to combat external fraud,in-depth learning will be used to analyze user behavior,real-time interception,and set up an exclusive anti-counterfeit account opening,anti-money laundering list detection system.In order to ensure the security of information system,data encryption,network isolation,disaster backup and special auditing should be used comprehensively.The third part is the countermeasure research.It is concluded that the operational risk of commercial banks in our country is facing the transformation from human control to intelligent control.It is necessary to sort out the system,process and business rules and transform them into technical logic control.It is also necessary to ensure the effective implementation of risk management and control system in terms of organizational guarantee,technical support and personnel training.In order to effectively prevent and control operational risks,this paper draws thefollowing conclusions: firstly,we should cultivate a loyal and prudent corporate culture,improve operational risk management system and improve the quality of employees;secondly,from the perspective of operating system,we should combine business processes and control rules to form targeted intelligent wind control;thirdly,we should put forward corresponding sharing strategies from the positive and external effects of the industry.It will make the operational risk prevention and control of commercial banks in our country produce better synergistic effect.