The Study Of Operation Risks Management Of Commercial Banks Corporate Credit Business

Operational risks behaviors come to being with the bank industry. Since the year of 2008, due to the effect of financial crisis and rapid expansion of bank business, operational risks have become more serious. In the economic environment of the Three-period Superimposed and the age of Internet+, many new types of operational risks appear, which causes new requirements on the management of operational risks of commercial banks. As the most important source of incoming, corporate credit business faces serious risks. It should not be ignored. The operational risks faced by commercial banks corporate credit business should be paid more attention. Under this circumstance, it is highly important to do a deep research on commercial banks corporate credit business operational risks management.This paper starts from theory and runs a comparative analysis on the current definition of operational risks at home and abroad. And then this paper uses research results and management experience gained by financial industry and bank industry for reference and states the general theory of commercial bank operational risks and control and mitigation measures. It has laid a theoretical foundation for following empirical analysis and problem study. By the data analysis of domestic commercial bank operational risks events, it seeks the regulatory and features to help CCB to control operational risks. This paper analyzes the credit business procedure of CCB Shandong Branch, finds problems and provides improvement advice on customer survey, business application, credit approval and establishing highly effective Post-lending management mechanism. This paper screens three typical cases on different aspects of CCB credit business operational risks. I extend them by using financial knowledge and work experience in bank. While analyzing every case, this paper points out the key control points of commercial banks credit business operational risks and concludes experience and lesson. This paper puts forward preventive measures against credit business operational risks of CCB Shandong Branch and according to own working experience states seven aspects of strengthening operational risks management system, strengthening internal control system construction, utilizing professional tools, strengthening hardware control, optimizing procedure, emphasizing small probability events, strengthening capital constraints and establishing advanced risks culture.By the method of documentary research, this paper reexamines the definition of operational risks on the basis of studying a large number of references and conclusion. This paper extends the meaning, classifies regulation risks to operational risks, further perfect the definition of operational risks and help to manage operational risks. By statistical analysis method and case analysis method and by combining the current situation of CCB Shandong Branch credit business operational risks management, this paper provides advice on perfecting credit business operational risks management. Hope it can contribute to improvement of CCB corporate credit business management system, raising the management level of credit risks on the basis of current hierarchy management system, optimizing CCB credit business risks management organization structure system and further raising risks control ability of credit business. There are shortcomings in this paper. For example, statistical data is not rich enough and quantitative analysis is limited when it carries on comparative analysis the current situation of our country’s commercial banks. The major reason for this shortcoming is that our country’s commercial bank risk data base was established late; data collection is not completed and to a certain extent the public of relative data is limited. So the representativeness of data I collect is not high enough and it should be improved in further research.