Researchs Of Fraud Risk Control Based On Cases In Shanghai Pu Dong Development Bank

Along with the continuously decline of recent global economic, great changes have taken place in social development and political environment in various regions of global world; Increasingly complex relations of global banks leads to facing of changes from the internal and external environment. Inside these changes, Fraud risk showed a noticeable trend year by year. As the fraud risk research was proved only several years, the study of its theory and real-actions is a recognized difficulty, no matter looking from the perspective of the current research status or the management practice.At present, financial circles in various countries on this issue are in constant process of exploration, discussion practice and correction, and had not proved a complete set of mature theory practice experience and principles.In this paper, the main research content is divided into two parts.one is comparison theory of operating risk management and real practices of fraud risk management on different domestic and foreign Banks. Another is based on Shanghai Pudong Development Bank's cases: the status quo of fraud risk, the causes of its fraud risk, its management problems, then put forward control measures. Inside the first part, the writer elaborated operating risk management theoretical basis, including the basic concept, framework, management methods of risk at the beginning, based on reviewing of the classic literature of domestic and foreign Banks; then emphatically analyzed the domestic bank fraud risk management present situation and challenges, based on the domestic and foreign bank fraud risk supervision system and management practices. In this part, the writer is more focus on the experience summary of real practical. Handle with typical fraud risk cases in Shanghai Pudong Development Bank in recent years, the author analyzes the cause of the case and the after-case thinking and sums up the problems exist in fraud risk management, and finally proposes the corresponding risk control countermeasures.The article combines the internal control and the case analysis methods together, using the operational risk management theory in cases studies, then put forward the following conclusion: Building a fraud risk overall management mechanism and carrying out the intelligent identification of the era of large data is the real fundamental way to prevent fraud risks. In the end, the writers proved a 3-D(3 dimensions) practical and feasible suggestion as risk control countermeasure: management framework, intelligent identification, risk measurement, and wished to provide a certain amount of real help in guarding against fraud risk of some similar Chinese commercial banks.