Research On Operational Risk Management Of A Bank Ningxia Branch In Centralized Operation Mode

With the continuous deepening of the reform of the A banking system, Focused on "centralized operations, centralized authorization, centralized monitoring" focused on the establishment of a centralized operational pattern, Traditional operation and management mode has been unable to meet the operational risk of the diversity, complexity and associated changes. In addition, centralized operation of China’s commercial bank reform started late, compared with the developed countries, is still in the primary stage, strengthen the centralized operation mode under the operational risk management system construction, is directly related to under the new situation of business operation safety and efficiency directly affect to commercial bank’s market image and competitiveness.In recent years, a bank will continue to have the case, to a bank caused serious losses, from the point of view of the types of cases, operation risk mainly concentrated in the external fraud, illegal operations, collusion and other aspects, operation in the field of operational risk has become threat to the survival of commercial banks and the development of significant risk. Therefore, in order to promote the transformation and effective development of A banking operations to lay a good foundation, strengthen the operational model of operational risk management system construction, to guard against operational risks has become urgent.At present, China’s commercial banks are in a reform of the operating system, and actively promote the process optimization and system innovation, operational risk showing a new situation, new characteristics and research direction at home and abroad are mainly concentrated in the traditional mode of operational risk research, especially focused on operational mode is still in the primary stage of commercial banks, under the new situation of operational risk management is also a lack of clarity of thought and theory. This paper to the author is engaged in the industry as the background, unifies the MBA study of theory and practice, deepening the understanding of the operation of risk theory, under the centralized operation mode operation problems existing in the risk management of in-depth analysis, from the theoretical achievements and practical experience in international and domestic commercial bank operational risk risk management, develop in line with a line of practical countermeasures and measures, to prevent and defuse the risk of operation, and effectively improve the operational risk management ability and level.