Study On Operation And Risk Management Of China State-owned Commercial Bank

The four major state-controlled commercial banks is the mainstay of Chinas commercial banks. Shareholding system reform is the development of state-owned commercial banks in the process of a major event, this compeitely change is bound to state-contronlled commercial banks operating risk management have a significant and far-reaching implications. On the oen hand, Chinas operational risk loss of frequent incidents, operational risk is increasingly becoming an important risk facing the banking sector;on the other hand the risk of operating in China for research is still in its initial stage. Chinas commercial banks with international operations risk compared with the industry have their own unique, whether it is operating risks of the manifestations causes, and management concepts, control methods, and foreign commmercial banks are quite different. Therefore,the study and exploration of Chinas state-controlled sound opertional risk management is of great practical signficance.The paper on Chinas state-contolled commercial banks operting risk managenment conducted a comprehensive study. Chinas state-owned commercial banks holding the status of opertional risk management, performance and analysis of existing problems, the use of the comparative study and the method of linking theory with practice, learn from the international financial community on the operation of risk management theory and practice, Chinas state-controlled commercial banks the status of opertional risk management analysis, concluded:grass-roots branches of the hightest frequency of operational risk, operational risk has also emered from the traditional hingh-tech crime to the changing characteristics of committing thecrime, the causes of major operational risk in the banking house, loss of key events Focus on commercial banking and retail banking business. In the recent years from state-controlled commercial banks greater operational risk losses in the analysis of the case, sunmmed up Chinas state-controlled commercial banks operating risk charateristics. Chinas state-controlled commercial banks operating risk analysis of the reasons that the main reason is that the operation without a proper understanding of risk, operational risk management awareness backward, the oraganizational structure of operational risk setting unreasonable, grass-roots branches operational risk management functions missing,Lead to excessive levels of risk management responsibilities dispersed, decentralized management responsibilities, lack of sepcialized management, operational risk internal control failures,bank staff from operational risk to prevent the xeternal environment is not perfect, and so on. Comparative analysis of the use of foreign commercial banks operating the general theory of risk managenment were reviewed, including the United States, Britain, Germany, Switzerland commercial banks operating risk management practices, and international banking operations risk management of the latest developments in the draw on Chinas state-controlled holding commercial banks operating risk management impertant enlightenment.In front on the basis of the analysis of the proposed perfeacting Chinas state-controlled commercial bank risk management operation the basic ideal. Foreign commercial banks operating experience in the practice of risk management, use and interpretation of comparative study into the way for Chinas state-controlled commercial banks operating risk management status, problems, strengthening cultural construction, and enhance operational risk prevention awareness through state-controlled commercial banks Organizational structure of recycling, the well-established operational risk management processes, improve operational risk management structure through further improve the operational risk of internal control systems to strengthen the enforcement efforts and improve the operational risk of internal audit mechanisms to guard against operation risks. Through the improvement of power and restraint mechanisms, corruption prevention and control the breeding of operational risk, and optimize the human resources management, human factors reduce the operational risks by strengthening banking supervision departments to prevent the functions of operational tisk, operational risk to play the of role of soccial supervision, strengthen information disclosure and market bound to guard against operation risks, and optimize the operational risk of legal regulatory environment, to strengthen the operational risk regulatory environment outside the building.In this paper, the integtated use of a variety of methods, in a detailed analysis of Chinas state-owned commercial banks holding the status of operational risk management, performance, problems on the basis of in-depth study of Chinas state-controlled commercial banks operate the cayses of risk. Foreign commercial banks operating results of risk management theory and practical experience,to improve Chinas state-cintrolled commercial bank risk management operation the basic ideal.