Commercial Banking Operational Risk Analysis

Operational risk is one of the oldest banking risk,and has been working from the birth of the Bank risk, like a shadow. In recent years, the control and management of the operational risk has become the most important elements of the risk management of commercial banks. Internationally," The New Basel Capital Accord ",operational risk and market risk and credit risk as the three main risks to financial institutions, and enterprise risk management operational risk throughout the financial context into account.At home, the CBRC issued the guidelines on operational risk management in commercial banks, commercial bank operational risk management for strengthen management of important content. Operational risk has become an essential part of banking risk control, from the theory of the Basel Committee and Governments attach great importance to scholars deep into illustrate this problem. For China’s banking industry, is also experiencing severe test of operational risks, in recent years some cases to the commercial banks has caused tremendous economic loss, which in some cases occurred with counter service personnel of the operation are closely linked, counter service operational risk control of commercial bank is not good, the reputation and management bring great negative influence to counter business, internal control is particularly important,if counter links can get effective control can contain a lot of risk. This paper combined with practical work and case analysis, based on the analysis of problems,such as the banking business internal control purposes, the existing control methods, through the adjustment of system, team construction, method innovation and cultural restraint measures and means to counter the risk control, then to improve the counter business internal control horizontal direction effectively discuss.