Research On Operational Risk Management Of China Merchants Bank Based On Artificial Intelligence

Operational risk widely exists in all aspects of the business implementation of commercial banks,making the risk events caused by operational risk on the rise.In the development process of China Merchants Bank,the impact of operational risk has put forward higher requirements for operational risk management ability.However,the current operational risk management system of China Merchants Bank still has a large room for improvement in the four aspects of system,process,measures and personnel.In this context,it is particularly crucial for managers to introduce artificial intelligence technology,open up management ideas,and improve management methods.Based on the internal control theory,operational risk management theory,and Financial innovation theory,this paper analyzes the current situation of China Merchants Bank’s operational risk management,reveals that there are problems in China Merchants Bank’s operational risk management,such as disjointed system updating,process convergence,backward risk control measures,and lack of talent reserves,Summarize three aspects that can be improved by the current operational risk management: reducing manual links,making full use of financial data,and establishing risk models.In the new situation,with the comprehensive integration of artificial intelligence technology and finance,China Merchants Bank has proposed the advantages of introducing artificial intelligence,In terms of operational risk management system,AI robots can be designed to replace manual sorting and classification,autonomous learning of various systems,and used for intelligent customer service;In terms of operational risk management process,RPA robots can be introduced to solve the connection problem between different systems.In terms of operational risk management measures,OCR technology,face recognition technology,biometrics technology can be used to enrich the control measures.Promote the overall improvement of China Merchants Bank’s operational risk management from the aspects of system construction and implementation,process integration optimization,and rich control measures.At the same time,it discusses the risks of artificial intelligence technology itself,and puts forward safeguard measures to prevent the possible risks caused by artificial intelligence:First,improve the operational risk management system;Secondly,deepen the application of artificial intelligence technology;The third is to build a team of artificial intelligence talents.Study the application strategy and suggestions of China Merchants Bank’s operational risk management under the background of artificial intelligence,and propose improvement measures from the aspects of improving the system,deepening the application,and building the team.Through research and introduction of artificial intelligence technology,it can provide new ideas to make up for the lack of operational risk management tools of China Merchants Bank,provide data support for decision makers,be more targeted and purposeful,effectively improve the operational risk management ability of China Merchants Bank,thus reducing the occurrence of operational risk events,and escort the development of China Merchants Bank.