Nanchang Agri-businesses Bank Operation Risk Prevention Research

The rapid development of market economy made in each of these economies are linked more closely,the banking industry as the center of the modern economic life,act as the middle of the economic activities,it is very important for the security and stability for the economic life.After entering the new century,the banking industry has been rapid development,various high-tech successively applied in the business of bank,its business development is becoming more and more complicated,it is these increasingly complicated business to provide the natural operation risk of commercial Banks,the Banks are exposed increasingly lurid case.In our country at the same time,the marketization of interest rate policy of open and pressure of competition is more and more big,makes the further operation risk.Banks are paying attention to the daily business performance after also pay more and more attention to its operational risk management,the relevant theoretical results also have mushroomed general constantly emerge.Relevant regulators to identify operational risks as the key regulatory point,this also means that for operational risk control has become a consensus of the world’s Banks.After decades of development,China’s banking industry to operational risk management is more and more attention,but the related research theory is still at the initial stage,not formed a system of theoretical research results and the mature environment,it also makes frequent case caused by operational risk in China.Banking in our country,because the staff risk consciousness,the commercial bank risk management system is not sound,lack of experience,case caused because of operational risk has been brought to our country commercial bank hundreds of billions of dollars of direct loss,serious damage to the basic image of Banks,also disturb the order of the socialist market economy.So,how to comprehensively to cognition of operational risk,absorbing the experience of others into their own use,according to the case of happened in the past at the same time summarized sublimation,in view of this perfect corresponding operation risk management system,improve the relevant management level has become the Banks urgently needs to solve the problem.First article on the current domestic and international research on commercial bank operation risk analysis,summed up the achievements and shortcomings;Secondly,this paper expounds the basic meaning of commercial Banks operating risk,classification and related characteristics,and the reason for the frequent operation risk in commercial bank,and summing up the theoretical basis of commercial Banks operating risk occurs.Finally,combinative oneself is actual risk to the operation of the specific case,the nanchang agri-businesses bank study the operational risk cases in recent years.First in nanchang farming the development of commercial bank make a basic introduction,introduce its operating risk control of the main structure,and then through the bank of nanchang agri-businesses recent a more typical case to reflect the current nanchang agri-businesses bank in risk control of the main problems existing in the operation,summing up the causes of problems and lessons learned.Finally,according to the above case combining with the current domestic and foreign commercial Banks operating risk prevention related theory,puts forward some Suggestions on measures,so that we can in the future financial work has the largest possible reduction of operational risk.