Study On Control Operational Risk Of Our Country Commercial Bank

Risk management is the timeless themes of commercial bank management process. Commercial banks are based on credit, currency lending and settlement of high risk liability. Commercial banks operating characteristics and its key place in the national economy, that lead to bank business risk with the characters of concealment and avian. Once the bank business risks come into reality, not only cause loss of bank bankruptcy, and may cause the entire of national economy with great loss. In order to control risk of commercial banks, whether theory research department or bank employees should always explore the operational risk of commercial banks. From these domestic and abroad in the bank risk events, and found the internal mechanism shortage of operation risk has become the main risk of our bank. The operational risk management and control have become more and more heated in recent years among our country, international supervision department and banks.The dissertation theoretically the produce of operating risk factors are discussing and combining the actual situation of China's banking industry, analyses the reasons for the formation of banking operation risk, types and characteristics. Through the analysis of the operation, China's commercial banks has significant risks, internal fraud and insider control not strictly in all of China's commercial Banks operating risks of main position, this due to a series of institutional arrangement in our country at present, such as commercial bank management system structure, bank, bank management system of internal control system and culture etc. In addition, with the complicated of banking operations, the operational risk (e.g., execution, delivery and process management, etc.) has been arise and rising with gradually. It is clearly that the situation is the same with actual situation of the international banks. This dissertation established a risk assessment model which based on the L-M BP neural network algorithm, and effectively identify and measure operation risk for China's commercial bank. Give the empirical research. Finally ,according to our country commercial bank operating risks give the control strategy which has a significance experience for China's banking running.