Study On Operational Risk Management Of Bank Of Communications J Branch Under The "New Normal" In China

With the rapid development of China's economy and finance,the pace of financial innovation and the process of financial liberalization are becoming more and more popular.The information technology is widely used.The "Internet" and "Internet of Things" all affect the business model of commercial banks and the increasingly fierce competition in banking industry.The changes in business model and business model of commercial banks have led to the introduction of new products and new business,which has increased the complexity of commercial bank operations and the operational control and control requirements.At the same time,in recent years in the global operation of the risk of repeated incidents to the commercial banks caused huge losses.How to prevent the operational risk of commercial banks,enhance the operational risk control ability of commercial banks and reduce the loss of operational risk has become an important subject of common concern and research of banking supervisors and commercial banks in China.Therefore,the study of this problem has a certain research value.This paper chooses the operation risk as the basic guarantee part of the commercial bank's operational risk management,which is an important part of the operational risk management and internal control mechanism of the commercial bank.In the transformation and development of commercial banks,in the face of the inherent characteristics of operational risks and the types of new operational risks,how to strengthen operational risk management has become an urgent problem to be solved and studied in the construction of operational risk management system of commercial banks.This paper is divided into five chapters.Chapter 1 is introduction.Chapter 2 is the new normal and the overview of the operational risk of commercial banks.Chapter 3 is the current situation of the operational risk management of the Bank of Communications in J Province.Chapter 4 is the suggestions to improve the Bank of Communications J Province branch operation risk management;Chapter 5 is for the conclusions and prospects.In order to better summarize the existing problems in the operation and operation risk management of commercial banks in China,this paper takes the Bank of Jiangxi Province as an example,combined with the new types of operational risk under the new normal situation,and the operational risk management of Jiangxi Branch of Bank of Communications and its typical case,pointed out its existing problems,in the analysis of these issues on the basis of the proposed measures to improve.