Study On The Problems And Countermeasures Of Credit Operational Risk-management Of SMEs By X-bank

With the continuous development of market economic system reform and the government policy towards to the small and medium enterprises,the number of SMEs increased heavily.In recent years,SMEs Credit have a great development.On the one hand,it promoted the development of small and medium-sized enterprise on the other hand,it also lead to a great number of operational risks.How to effectively prevent operational risks and strengthen the management of credit risk has become an urgent problem to be solved in the theoretical and practical fields as well as the financial regulatory authorities.Under this background,this paper researched on the countermeasures of SMEs Credit Operational risks based on the Personnel Risk perspective which follows the research path of "putting forward the problem-analyzing the problem-solving the problem".First of all,we definite of Operational Risk,Credit Operation Risk,and review the theories of Risk Management.Then we have a brief described on the X bank Credit of SMEs to realize its characteristics and the risk points.Through the current situation,it found that there are operational risks of credit in every stage and the Personnel Risk is the main factor.Through the analysis of the causes of the risk,it is considered that the main cause of Personnel Risk is the weakness management on the identification,control and avoidance of the risk during the whole Credit process.According to the current risk status proposed in the Operational Risk management,we considered the countermeasures of the SMEs Credit Operational risk should emphasis the people-oriented management,which through the building a well-controlled internal environment,improving the internal control measures,strengthen the communication and feedback.From serious of improvement on the Operational risk management which could release the SME credit operational risk rapidly.