Operational Risk Of Commercial Banks Reception

Since the birth of modern commercial banks in the United Kingdom that moment, the operational risk on all the time accompanied by the development banks.Due to fewer losses caused before, and difficult to measure, leading to commercial banks is not very great importance to the management of operational risk. But as the French bank Société Générale and British Barings Bank case and other cases because of the huge losses arising from operational risk for the banking industry awakens the alarm.With the continuous development after China’s reform and development of commercial banks, the degree of commercial banks to participate in international financial business also deepening of commercial banks’ own risk management system put forward new demands, China’s commercial banks also began to follow the Basel Commission to conduct a comprehensive management framework of risk management of banks. According to the provisions of the Basel Committee, the major commercial banks are required to measure and manage market risk, credit risk, operational risk. Relatively sound market and credit risk management system, operational risk is less because of its specificity leads to their research industry.In recent years, a growing number of commercial banks operational risk cases abound, and also on the part of commercial banks has caused tremendous losses. In addition, with the development of information technology, more and more low cost of crime, coupled with the complexity of personnel management, but also for operational risk management has brought great difficulties.In this paper, the front desk Bank G’s operational risk samples by analyzing their business prospects constitute operational risks, including deposit and withdrawal services, channels, and fund settlement and sales business. Sorting out the cause of its future operations risk factors and causes of risks, combined with its current scale of development and the actual situation, study and put forward a number of optimization measures, including general preventive measures, technological innovation, personnel management, etc. for Bank G front desk operational risk management provides a certain reference.