City Commercial Banks Operational Risk And Control Counter

Our country’s existing city commercial bank is home to more than one hundred, city commercial Banks is an important component of China’s banking and special group. At present, urban commercial Banks in an open, competitive, and diversified financial system, facing unprecedented dynamic development of the external environment, and at the same time is facing with many of the risk. Operation risk is one of three big bank risk the risk, however, the city commercial Banks face of operating risk, business dealings operation risk is very important. Teller business operation risk control is bad, may cause reputation, management and development impact influence affected, make the error correction cost growth, so that Banks and client money to sustain losses. This paper explains the concept of operation risk business dealings, features, forms and methods of management, the consequences caused by the client business operation risk introduced the basic situation. And ten points in the client business operation risk analysis of the causes of:the city commercial bank’s financial intermediary essence decided; The city commercial Banks internal management mechanism decision; The teller business processing of "person" subjective judgment the dependence of the decision; Internal control environment deterioration; System is lagging behind. Human resources to meet the needs of the development of business; Supervision departments to guarantee independence; Not enough investment to risk management; Under the market competition relax risk management; The comprehensive GuiYuanZhi operation risk. And expounds the people to the operation risk mistakes, of which the obvious is that operation risk is operational risk or operation of the risk; And the operating risk equivalent to financial crime; Think operation risk is can’t measured, so can’t for the allocation of capital; Think all operation risk events are isolated, no contact, that lack of operating risk overall understanding and grasping; Think of operation risk management is the internal auditing department thing, has nothing to do with other departments. Especially proposed to establish and perfect the business dealings operation risk management system, perfect business dealings of operation risk internal control system construction, implement the scientific business dealings of operation risk management measures, innovation operation risk prevention means, strengthen the operation risk culture construction, and so the five specific measures, to counter the risk of business operation prevention research has carried on the beneficial discussion.