Operational Risk Management Of Commercial Banks Based On The Internal Control Perspective

With the rapid development of economy and society, commercial banks are constantly expanding their business areas and business scale, and technology information technology is widely used in the business. With the rapid development of e-commerce business, commercial banks are faced with various risks. Throughout the concept of risk management of the world,we can find many banks face three major risks——the credit risk, market risk and operational risk.. Since the last century 90's, operational risks caused by bank failures and huge losses have occurred. Looking at the domestic, occurred in October 2014 listed Laojiao wine enterprises in the Agricultural Bank of China branch in Changsha orientation of 1.5 billion yuan deposit disappearances and 2015 Bank of China Hangzhou Qingchun branch deposits cheated events are events caused by operational risk. Operational risk began to cause the attention of domestic researchers. Pursuing the reasons for these major cases, although the hardware equipment and financial institutions and backward are relevant, lack of experience,the poor management are the key reasons. At the same time, in the face of these cases, the bank's ability to cope is relatively weak. Therefore, to reduce the risk of operation, the prevention of operational risk is very important to our bank, and it is also very important to maintain the financial order of our country.First of all, in view of the recent events of the major banks in the event of the occurrence of the risk, many people pay attention to the operation of the risk. And this chapter briefly describes the background and significance of the topic. Secondly, this paper systematically summarizes the relevant theoretical basis. In this paper, the concept, the domestic and foreign research status about internal control are discussed. According to the operational risk of commercial bank's theory, this chapter describes the definition, classification and the characteristics of the operational risk of the commercial banks; and then closely around the relationship between the operational risk and internal control, effectiveness were discussed.Again, this part analyses the current situation of operational risk in Chinese commercial banks and throughout the risk event example analysis it describes the major types of risks the Commercial Bank of our country faces. Internal control failure is caused by operational risk source of this conclusion. To take the postal savings bank of China W branch for example,Chapter four deeply analyses the branch of operation risk status, not only the existence of our country Commercial Bank of common problems, and the special problems, and points out the existing problems and shortcomings. Finally, based on the analysis of the status of the characteristics of the China postal savings bank, the suggestions on improving the operational risk control system of China postal savings bank are put forward,through sound operational risk control environment, establishing internal operational risk control mechanism, attentionto the construction of information internal management platform, scientific use of operational risk monitoring tools, strengthening professional talent team construction.