Research On Operational Risk Management Of Joint-Stock Commercial Banks Based On Employee Management

With the rapid development of the social economy and the constant innovation of the economic model,the overall financial industry keeps renovating.In the era of coexistence of opportunity and challenge,various financial risks are booming out.According to China's current financial situation,all financial businesses are directly or indirectly expanded on a bank-based scale.As the basic core of the entire financial system,banks must ensure the stability and legitimacy of the operation.If any accident occurs,it will lead to systemic risks of the entire financial system,and even cause the turbulence of national economic development and social order.Among them,the operational risk of joint-stock commercial banks is particularly obvious.According to the announcement of the Banking Regulatory Commission,there are 4588 banking financial institutions in our country,including 12 joint-stock commercial banks.As of December 31,2018,the assets scale of joint-stock commercial banks accounted for17.53% of the total banking financial institutions.The China Insurance Regulatory Commission issues up to 337 bills to joint-stock commercial banks,accounting for11.07% of the industry.It is particularly important to study the operational risk management of joint-stock commercial banks with fewer institutions,higher assets and more violations occurrence.It analyzes various bank operation risk incidents in China in recent years and it is found that bank employees often play an important role in the case.Among them,front-line grass-roots employees and middle managers of branches who are engaged in basic business operations are prominent,especially the repeated internal fraud,internal and external liaison and so on.Therefore,the paper aims to study the operational risk management of joint-stock commercial banks from the lower employee management.The joint-stock commercial Banks referred to in this paper are national joint-stock commercial Banks in general sense.The types of institutions refer to the classification of China banking and insurance regulatory commission.This paper is divided into five sections,from the background and the significance of the topic selection to the analysis of the current situation of operational risk management in banking industry at home and abroad,the paper counts the fines issued by China Banking Insurance Regulatory Commission for all banking industry,and then takes five typical operational risk incidents in joint-stock commercial banks with assetstotaling more than 58.4% as examples.The paper mainly analyzes from the four perspectives of employee business process,internal control and supervision and social influence,and summarizes the common reasons for the occurrence of operational risk event in joint-stock commercial banks.The paper focuses on the external and internal factors of employee,and finds the core issues from the perspective of staff management,and then puts forward corresponding suggestions on operational risk management of joint-stock commercial banks from the perspective of employee management.In the whole,this paper mainly aims at the frequent operational risk incidents of joint-stock commercial banks,and from the perspective of employee management,it analyzes how the joint-stock commercial banks are reasonably responsible for the daily management and prevent operational risks caused by bank employees.At present,the domestic banking industry has not yet established a detailed operational risk database.Some of the data are also highly confidential,so it is impossible to make a comprehensive and detailed analysis of an incident.Therefore,the paper mainly surveys the banking industry violations in 2018,and makes a general analysis of the operational risk of five representative joint-stock commercial banks,and puts forward the recommendations accordingly.I hope that in future studies,it can have a more perfect mechanism to solve the problems.