Study On Operational Risk Identification And Intelligent Prevention And Control Of Small And Medium-sized Banks

With the further development of China's banking reform and the opening up of the financial industry by the regulatory authorities,the domestic financial environment and the banking system are further closely interfacing with the world market,and the case of foreign banks bankruptcy due to operational risks may also be in China's commercial banks.The necessity and urgency of Strengthening the development risks of Chinese commercial banks are increasing.In recent years,banks have experienced a large number of “Ticket storms” cases,all of which are caused by operational risks.Many state-owned banks are also deeply involved,with amounts reaching hundreds of millions.The occurrence of the bill case is undoubtedly a human factor,and internal and external collusion commits crimes.In order to further prevent and control such operational risks,online bills,especially the 2018 ticket exchange,have played a certain role in reducing the risk of bills,but the operational risks brought about by financial deliver aging are still in the pursuit of banks.Under the situation of maximizing profits,The possibility of operational risks in many small and medium banks still exists,and the ability of small and medium-sized banks to resist risks is relatively weak.Therefore,operational risk management is more important for small and medium-sized banks.The research object of this paper is the operation risk identification and intelligent prevention and control of small and medium-sized banks.The purpose is to find a more intelligent risk prevention approach by analyzing the current situation of small and medium-sized banks' operational risk prevention.This article is based on my own research and understanding of the current situation and existing problems of operational risk management at home and abroad,from the empirical point of view,Try to propose some ways to improve operational risk management capabilities.First,preliminary research on the operational risk management of commercial banks.The related concepts,influencing factors and measurement methods of commercial banks' operational risks are expounded,and the current situation is analyzed and described in combination with actual financial data.On this basis,according to the actual situation of XX Bank,the bank conducted a balance test based on the income model.The risk factors were non-performing loan ratio,loan-to-deposit ratio,statutory deposit reserve,and net profit.At the end of the article,the paper puts forward some innovative countermeasures based on the actual situation of the bank,such as using the existing platform to complement each other and establish a comprehensive monitoring and management system that matches operational risk,so as to better improve the operational risk management of the bank.