The Studying Of Operationalal Risk Management System For S Rural Commercial Bank

The credit risk and the market risk has been studied by the banking industry for a very long period of time,and many important results are obtained.Due to the direct relationship between the two kind of risk above and the benefit of the bank,that two risks get emphasized.The effective prevention and control of that two risks can bring direct benefits to commercial banks.Relatively,the operational risk doesn't get attention it deserved,the relevant study start late and complete little.In recent years,with the business scales of the commercial banks expand,the operationalal risk increase rapidly everyday.The operational risk event,especially the major operational risk event such as major illegal behaviors of senior executives and robbery of cash carrier,etc,can cause a great lost of the commercial banks' property,reputation and the interests of employees.But most commercial banks don't aware of this problem and haven't set up a well operational risk management system.The China Banking Regulatory Commission issued a series of documents,show great attention on the operational risk management of commercial banks.The banks used to ignore,insufficient understood and feel helpless of this problem,have to speed up this project.The operational risk management system construction has become a mutual concern between commercial banks and the CBRC.Most commercial banks will follow the example of the state-owned banks which first received the compliance standards of operational risk management system,but they may not complete smoothly because the reference case of bank assets,the management structure,organization system and their own reality are not taken into account.In a matter of fact,it is difficult and important to set up a management system suitable for small rural commercial banks.The system should not become a mere formality,it couldcontinuously operates,improve the management level in all aspects of the industry,not just to satisfy regulatory requirements.This article focuses on rural commercial bank,especially the small and medium rural commercial Banks in operational risk,including bank organizational structure,operational risk and puts forward suggestions for the integrated management system.The full text is divided into seven chapters,the first chapter is the introduction part,the main content of this chapter include the research background,research significance,the domestic and foreign research review,research ideas and structure arrangement,which leads to the research content of this article.The second chapter embarks from the related concept definition of operational risks in commercial banks,management system and implementation method for theoretical interpretation.The third chapter mainly introduces the present situation of S rural commercial bank operational risk management,introduced the status of the bank,as well as introducing the bank's operational risk management system project.The fourth chapter introduces the architecture and various management work methods of S rural commercial bank operational risk management system.The fifth chapter elaborated the theory in the operational risk management system of S rural commercial bank in the process of the implementation of projects.The sixth chapter is about elicitation.The seventh chapter sum up the enlightenment of the operational risk management system of S rural commercial bank,provide a useful reference for the rural commercial bank of same scale.