Research On Operational Risk Evaluation Of Rural Commercial Banks

With the increase of financial globalization,the business scale of rural commercial banks in China has also expanded.Various kinds of risks have appeared repeatedly due to the increase of business types and changes of external operating conditions,causing unnecessary losses to rural commercial banks and customers.At present,rural commercial banks mainly face three kinds of risks,namely credit risk,market risk and operational risk.As the inherent risk of rural commercial banks,the incidence rate of operation risk is high in the daily business process of rural commercial banks in recent years,and the proportion of operation risk caused by human factors is high.Based on this background,it is meaningful to propose an effective measurement system for the operational risk of rural commercial banks.In this paper,according to the process and method of risk management,we analyse the bank management system,management status and problems on research and conclude the main influencing factors that affect the operation risks at present include personnel,business processes,information systems,external events,organizational structure and the financial position of the Banks.Around the six kind of influence factors of operational risk,this paper starts the bank operation risk evaluation metrics analysis.In the first place,based on the operational risk cases of commercial Banks and the previous studies of domestic and foreign scholars,the indicators of rural commercial banks are initially screened by combining the weak links of their own risks.Secondly,using the analytic hierarchy process(AHP)for screening index weight measurement analyses,and use fuzzy comprehensive evaluation(FCE)method to determine the index membership degree analysis.Then,we select a representative huaihai rural commercial bank as the case study,by using the survey data on huaihai bank carries on the empirical analysis,the huaihai bank's operational risk rating as "fine".Finally,based on the case study and analysis conclusion of operational risk evaluation,and combinedwith the weak links in the construction process of operational risk management of rural commercial banks,the suggestions for management optimization are proposed.