The Practical Operation Of The Commercial Banks Operational Risk Management Analysis

The past few years, the world economy has become closely linked to the overall competition in the global financial markets are becoming increasingly intensified gradually increased uncertainties, the various risks are frequent. In this context, China’s commercial banks to various businesses rapid development, in the process, risk management, and control of the necessity and urgency of the increasingly significant..Since the operating risk of loss to the bank and the consequences are serious, theoretical and practical circles gradually increased operational risk. The state-owned banks is a major part of China’s banking industry, its stability affect the overall development of our national economy, the state-owned commercial banks operational risk has been growing concern. Currently, due to the acceleration of the reform of China’s commercial banks, the chase too fast for commercial profit, risk prediction, Bank of major cases occur frequently. In this context, the emphasis on the commercial bank’s internal audit work, strengthen internal control, it is necessary initiatives to improve the efficiency of commercial banks and control financial risks.This thesis, through the introduction of the internal audit of the Postal Savings Bank, combined with the conventional case of audit and special audit of the Postal Savings Bank branch in Shandong Province, with a comparative analysis, empirical analysis, summarized interpretation and field survey research methods, combined with international advanced banksexperience, analysis of operational risks faced by the Postal Savings Bank in this situation and management measures, to explore how the prevention and control of the bank’s own internal audit work on a day-to-day operational risk and circumvent this paper expounded this deep-seated.The main contribution of this thesis is the theoretical research and the status quo of domestic and foreign commercial banks operational risk analysis, to explore the relationship between operational risk and bank internal controls and strengthen risk management of commercial banks operating in China, the feasibility of the method and. By the bank’s internal audit activities to achieve this management purposes, the best choice to solve the current problem of frequent financial cases. Herein targeted from the perspective of the bank’s internal audit recommendations and concrete measures on how to prevent and control operational risk, the value of the actual day-to-day risk management of commercial banks in China.