Research On The Counter Business Operational Risks Of Agricultural Bank NingXia Branch

Bank is the special enterprise management risk, the risk management level determines the bank of the final operating condition. At home and abroad in recent years, operation risk events emerge in endlessly, and the risk events has its uniqueness, make financial institutions. Operational risk events not only economic loss to commercial Banks, also caused irreparable to bank reputation.The purpose of this article is to study agricultural bank, NingXia branch the counter operational risk management system construction situation, first of all introduces the commercial Banks operating risk management theory, clear the definition of operational risk management, characteristics and target, and then analysis the present situation of the agricultural bank the counter operational risk management, the agricultural bank has established a risk management organization structure, risk management process to get the specification, gradually improve the risk management system, the establishment of a relatively mature risk identification, assessment and measurement process, but also for economic capital provision rules, however, operational risk cases still happen. The counter operating risk based on the agricultural bank of typical case as the analysis object, from the personnel, operation process, the external factors, system reason and so on several aspects are analyzed, the genesis of these cases, pointed out the main reason for the operational risk cases occurred is lack of management risk management consciousness, imperfect internal control system, supervision and regulation system is imperfect, post management factors, such as agricultural bank listed that exist in the daily business risks, and finally puts forward establishing rational performance evaluation scheme, perfect the internal control system, perfect the risk control supervision system, strengthen the personnel management, organization framework flattening management five aspects to deal with the problems of operational risk at present, practically improve the operational risk management system.