Bank Of Communications In M Operation Risk Management Research

With the rapid development of the global economy and society,the financial services business of modern Banks has grown stronger,and the financial innovation that has exploded,which brings about the daily operation risk of the bank.The bank is the enterprise that manages risk,the good or bad of the bank and the life and death of the bank is decided by the good or bad of risk management.But in the 1990 s the British bankers association proposed a new risk,namely operational risk.Due to various reasons,our country commercial bank in the very long period of time of operation risk management level and knowledge are low,Banks at home and abroad,a series of major operational risk accident,the accident has caused commercial Banks to suffer property damage,also bring many bad effects to the economic society.Financial regulators and Banks are very concerned about such major operational risk accidents,putting scientific management and effective prevention of commercial bank operation risk on the agenda.China's commercial Banks' understanding and research on the operation risk of banking industry has been influenced by the domestic financial system,and it is faced with the lack of experience in the operation risk management of the banking industry.In recent years,with the deepening reform of commercial Banks in China,the relevant aspects have paid great attention to how to strengthen operational risk management.Bank of communications in earlier is also set up joint-stock commercial Banks in our country,its asset size,number of employees is more,its business network coverage,the organizational structure is relatively complete,with a series of basic commercial Banks hold sign,especially in the aspect of risk management model has more representative.Based on the operation of the bank of communications in M risk management as the research object,through the methods of documentation,questionnaire,inductive technology practice several methods such as survey method,from the operation of the bank of communications in M risk management present situation,the analysis of operation risk management structure,process and content of a few reasons and characteristics of the proposed to improve the advance,method of operation risk management approaches.Article first introduces the operating risk management theory,the definition,classification and characteristics of operational risk is illustrated,and through the generation and development of operational riskmanagement theory,the operational risk management framework and the recognition and measurement of operation risk management,and then according to the author's work experience,analysis of bank of communications in M current operational risk management system,and points out that the current traffic bank M branch set up operational risk management system is relatively sound,although the operating risk management procedures,specifications,operation risk management system is perfect,also has established the operational risk management organizational structure,but the operation risk still occurs.Through the discussion of bank of communications in M operation risk management problems in some cases,after the analysis,come to the conclusion that,although the branch operation risk has acquired some achievements,some problems still exist,but the branch in the branch staff there exist deviations in understanding of business risk,no risk awareness.For operating system operation risk basic link strict control insufficient and the business system of all departmental line,no set of intuitive and easy to use,complete operation manual.Based on the actual traffic bank M branch management,referring to the management style of international banking,and reference at home and abroad advanced operational risk management lessons,for the sustainable development of bank of communications in M operation risk management to provide effective countermeasures.