Research On Operational Risks And Countermeasures Of HL Rural Bank From The Perspective Of Internal Control

In the current social environment,the services of the financial industry are in a state of global expansion,the types and quantity of financial products are increasing,the scale of commercial banks in various countries is expanding,and its business procedures are becoming more and more The more complicated.Especially after the subprime crisis in the United States,the risks in the financial sector have become higher and higher.In the process of reform in the rural financial sector,the Chinese government has given a lot of support and attention to the issue of “agriculture,rural areas and farmers”,and HL Rural Commercial Bank has also taken this opportunity to promote the further development of the local economy.However,HL Rural Commercial Bank also encountered challenges due to internal control and operational risks.This paper analyzes the current situation of operational risk of HL Rural Commercial Bank,and introduces the current situation of risk management of HL Rural Commercial Bank,especially operational risk management.It analyzes the internal existence of the bank from five aspects: internal control environment,organizational system,employee management,business management and information management.Operational risk,combined with internal control theory,found that the reasons for the operational risk of HL Rural Commercial Bank were mainly due to the imperfect risk management culture,the imperfect risk management measures,and the unreasonable risk monitoring channels.Finally,based on the internal control perspective,HL was proposed.The countermeasures for the operation risk management of the Rural Commercial Bank include the following five aspects: one isthe internal control environment: enhancing the cultural atmosphere of operational risk management;the second is the internal control system: improving the organizational system of operational risk management;and the third is the internal control system: sound operational risk The rules and regulations of management;Fourth,the internal control procedures: standardize the implementation process of operational risk management;fifth,strengthen the independence of internal audit,and actively improve the ability of credit risk control;finally,internal control technology:improve the information level of operational risk management.