The Research On Operational Risk Management Of Xiangtan Branch Of China Construction Bank

Banking is an industry of high risk. Risk avoidance, management and solvency are the eternal topics in this industry. Risk management, which becomes the lifeline and the core competition of the commercial bank, can make sure the financial institutions go on exuberant and persistent, as well as reduce the cost for avoiding risk and make them more competitive. Operation risk is one of the main risks of the commercial banks, so efficient operation risk management is the only way to enhance risk management level and improve operation condition. So, it is necessary and urgent to study on enhancing the operation risk management capacity of the commercial banks.By comparing with international forerunners bank and local banks, this paper thinks that construction the bank Xiangtan branch office in pond City and should draw lessons from the United States bank of operation risk management culture, will soon personal responsibility creation is risk management of foundation;Risk guerdon repay management the ability Be the core competencies and the competitive advantage of the bank; All employee all should undertake risk in the work and guerdon repay management responsibility; Match the way that the rules is the core of the risk cultural value and open the exhibition business;Risk the decision have to take fact as according to etc..Draw lessons from the root a big the operation risk of the bank a management system in the meantime. Should line of operation risk management the contents includes: firstly, establishment supervision management system, secondly, establishment ego risk valuation system, thirdly, establishment the risk alert system, forthly, follow bank inner part audit system, fifthly, usage the Horizon risk management tool allotment operation risk capital gold.By full of investigate a research, this text think, construction the bank Xiangtan branch office in pond City operation risk of main manifestation is: first, personnel's risk, namely the bank inner part staff member illegal disobey the morals risk that Ji result in, is not high because of the business character, the ability risk result in by the operation error, compensate to pay to result in because of the trouble between labor and management, employee's accidental injury of the labor use work risk; second, the system risk, namely because of inner part the regulation system, business process, the product blemish or the service misfeasance result in lose of risk; third, the system risk, namely the calculator system the hard software, the network communication system break down, the information system safety the trouble result in lose of risk; fourth, the exterior risk, namely illegal member's malice deceive, nature disaster, terror assault, judicatory lose in lawsuit or privately the intermediation compensate to pay to result in lose of risk. Operation risk management work existence of the problem include: Lack health of the operation risk frame, lack the inner part of the system a control a mechanism and lack science valid of management the way and technique means, lack health of social interaction environment. Creation operation the main source of the risk include: The modern commercial bank operation risk management the principle didn't yet be complete establishment, employee the occupation morals consciousness not strong, system performance not arrive, operation risk management the system is not perfect and encourage stipulation mechanism to owe science. New of operation risk management the system speculation include: Set up valid of early warning mechanism, establishment risk direction of inside exterior audit mode, establishment buffer control mechanism. Guarantee set up all new operation risk a management system the measure include: The design is valid of anti-corruption mechanism, establishment valid of encourage and control mechanism, perfect use person's mechanism, perfect and inner-controlled system, perfect and information-based control technique.