Study On Credit Operational Risk Of Commercial Bank

Commercial bank is a special stage in the development of economy, the rapid development of the contradictions and the emergence of their wind control weak difficult to reconcile. Especially emerge in an endless stream of credit operational risk of commercial bank in recent years the case. Credit operational risk should be commercial banks as the primary protection measures. An important reason for the credit risk is the potential credit risk operation, not aware of crunch time, establish the multi level risk management measures. Commercial banks and foreign commercial banks in China the gap does exist, especially in the wind to control the potential mining and risk classification management. How to strengthen the credit operating risk management measures to achieve risk control box to prevent other extended relational risk, this is what this article focuses on the.This paper is divided into five chapters, the first chapter of introduction, introduced the domestic and foreign theoretical research and on the status of operational risk management of commercial bank credit, put forward the background, significance and research ideas, the framework of the topic; the second chapter elaborated the credit operational risk concept and the commercial bank credit operation risk management theory; the third chapter introduces the operation a branch of the B bank credit risk case, and analyzes the cause of the incident; the fourth chapter analyzes the case of a branch of the B bank brings us enlightenment, and probes into the Countermeasures of prevention and control of credit risk of commercial bank operation; the fifth chapter is the conclusion and suggestion, and put forward the possible innovations of this paper.In the suggestion, we proposed the Commercial Bank branch level shall establish credit personnel education and training base, to hire experts, expert batch training credit personnel; and keep pace with the times, to keep up with the changing economic situation, policy and constantly update the teaching contents. Mechanism of related rules, the relevant credit operation and risk prevention, a copy. More importantly, we propose to advanced technology makes full use of the modern information software, development and building up a huge, practical, electronic information library operation-- credit operational risk monitoring and warning system. At the same time, the formation of a professional management team, developed an information processing program, all the information data and the related risks and models, keen to identify risk factors, timely alerts. This is the prevention of operational risk is the risk control software, hardware, can better help the operation of the bank credit risk prevention and control of credit personnel. In addition, we also proposed the establishment of a competent, professional operation of the supervision and evaluation of credit management team, make the supervisory system and specialized. Regulators to oversee the evaluation according to the standard operating procedures, and the performance gains hook examination results and credit officers, to the greatest extent to stimulate the staff’s enthusiasm and sense of responsibility.