The Research On Internal Control Of Operational Risk Of Commercial Banks

With the increasing risk of operational risk,the operational risk of commercial banks' grassroots frontier is gradually being paid attention to.The front office business of commercial banks can be said to be an important part of the daily operation of banks.The new business is emerging.It is also important to guard against operational risks.Agricultural Bank of China is one of the four major state-owned banks,the business is comprehensive and complex,representative,strict management system,but in recent years due to the neglect of grass-roots institutions,resulting in frequent operating risk cases,to the banks and customers brought a huge Of the economic losses at the same time,but also affect the social image of commercial banks.Based on the definition,characteristics and classification of operational risk internal control,this paper analyzes the current situation of internal control of operation risk of XX branch of Agricultural Bank of China,and selects the case study of the daily business activities of XX branch of Agricultural Bank of China.Of the internal control is the key to prevent operational risk.Through the combination of China Agricultural Bank XX branch front desk business and domestic and foreign theories,and for the operation of the Bank's internal control system for China's agricultural sub-grass-roots institutions operating risk internal control measures: to strengthen the internal control construction,The risk management concept,the existing operation and management system to improve,establish an effective risk assessment system,strict implementation of different job separation control system,the establishment of authorization system and property protection mechanism,and hope for the Agricultural Bank of China XX branch operating risk The improvement measures put forward by internal control can also help the internal control of other commercial banks in China.