Research On Risk Mangement In Centralized Operation Of HS Bank

With the opening up of China's financial industry and the continuous progress of science and technology,the financial innovation of commercial Banks has been continuously deepened.Excellent operation ability has been regarded as an important factor for commercial banks to realize self-value and win customers'reputation.The traditional decentralized operation mode of commercial Banks has gradually revealed its limitations,a new type of centralized operation mode is gradually adopted by the major Banks,Through the front and back,separated from each other and control,centralized risk management in background,standard operation process,to improve operational efficiency,reduce the operating risk,thereby saving operating costs,improve service quality,enhance the competitiveness of the effect.At present,HS Bank has built its own backstage centralized operation center and achieved certain operation results after drawing on the experience of centralized operation and construction in the background of domestic and foreign Banks,though there is still a lot of room for improvement in operational efficiency and risk management.This paper focuses on the current situation and existing problems of the centralized operation mode of HS Bank,and makes an in-depth analysis and puts forward some improvement measures,which has certain practical significance.As a city commercial bank,the construction of the centralized operation mode of HS Bank has certain typical significance,hope also can give other commercial Banks some references for the background concentration operation.In this paper,the theory of risk management,process reengineering theory and management theory as the foundation,using the method of case study and normative research,on the basis of Six Sigma and DMAIC model,lean production theory,comprehensive risk management theories and the domestic and foreign relevant scholars "research process bank",taking HS bank back centralized operation as the starting point,the effects of HS banking risk management analysis of the problems and causes of operational focus on risk management,analyzing the business process and risk forms,obtained the following conclusions:1,HS bank operating mode background concentration can effectively improve the efficiency of business process and risk management quality greatly to improve the management level of bank HS.2,HS bank background centralized operation mode of risk management problems,part of the background is concentrated operation mode of "front and back separation"caused by the inherent problems,and the other is HS bank in the practice of backstage centralized operation mode of its own problems.3,combined with the background of other commercial banks at home and abroad successful operations experience,this article from the optimization of process design,strengthen the background business center management,strengthen the system construction,three aspects of comprehensive prevention of post linkage risk is given to optimize HS bank background centralized operational risk management level of advice.The main framework of this paper is:the first part mainly introduces the research background and significance,research contents and methods and innovations;the second part mainly combs the commercial bank operation management and risk management,process reengineering and other relevant theories and research literature at home and abroad,to provide a theoretical basis;the third part is to introduce the status of risk management HS bank background centralized operation mode,mainly includes the background of centralized operation mode of business process,risk management status and existing problems.The fourth part is the risk management analysis of HS bank's backstage centralized operation.From the perspective of business process and risk form,we focus on the current risk management of HS bank.On this basis,we summarize the causes of HS bank's risk management problems.The fifth part,the analysis results above,puts forward how to optimize the level of risk management from three aspects of optimization design process,strengthen the daily management,the center position of the linkage;the sixth part summarizes research conclusion,and puts forward the research prospect.