Research On Operational Risk Management Of Rural Commercial Bank From The Perspective Of Internal Control

Under the background of the new normal of the current economy,the business of commercial banks becomes more and more complex,which undoubtedly provides a natural hotbed for the emergence of operational risk of commercial banks.In the face of frequent changes in the internal and external environment,the operational risk events of commercial banks,especially some major operational risk events,directly affect the credibility of commercial banks in society,and even have a more or less impact on the economic circles of China as a whole.The operational risk of commercial banks is also a common problem faced by the banking industry in the world.Compared with other large commercial banks,the rural commercial banks are slightly deficient in the level of operational risk control.It is very necessary to study the operational risk management of rural commercial banks.On the premise of combing the theoretical and practical achievements of Chinese and foreign experts on internal control and operational risk management of commercial banks,this paper takes JY Rural Commercial Bank as a case study,studies the methods of risk management of rural commercial banks in China,and studies various problems in the process of risk management.In the process of research,first of all,the background of the study and the methods and contents of the study are discussed and analyzed in an all-round way,and then the relevant research results of domestic and foreign experts and scholars on operational risk are sorted out and summarized.Then determine the related operational risk and internal control management phase to be used in the description process of this paper.The related theory,including the theory of internal control,the theory of operational risk management,and the analysis of the relationship between internal control and operational risk management;Thirdly,this paper studies the problems existing in the operational risk management of rural commercial banks in China,on the basis of fully analyzing the significance of the prevention of operational risk of rural commercial banks,analyzes the characteristics of operational risk of rural commercial banks in China and the problems existing in operational risk management,and further analyzes the causes of the problems.Combined with the perspective of internal control,this paper analyzes the operational risk management cases of JY rural commercial bank,and finds out the problems existing in the operational risk management of JY rural commercial bank by using the method of empirical case analysis.This paper puts forward some countermeasures for operational risk management of agricultural commercial banks from five aspects: process system,internal control system,infrastructure construction,staff quality training and scientific and technological innovation.