Analysis Of China Construction Bank Ningxia Branch Financing Problems Of Operational Risk Management And Countermeasures

China Construction Bank Ningxia branch was established in 1958,its predecessor is the Ningxia office at the beginning of the establishment of Bank of communications,mainly responsible for the centralized management of capital construction investment funding and building enterprise of short-term loans,and use and effect of the use of funds on the financial supervision of the implementation.Along with the social and economic system and financial management system reform to advance,the Construction Bank Ningxia branch of the bank financing product with rich and perfect business service functions,in the enterprise financing the traditional advantages in the field were made the same industry leading status.At present,the enterprise financing business of CCB Ningxia branch opened bank mainly include fixed assets loans,liquidity loans,syndicated loans,discount,domestic factoring,bank acceptance bill etc..Through the analysis of 2011 to 2013 during the three years of internal and external audit of the Ningxia branch of China Construction Bank Corporation financing business supervision and inspection found problems,on operational risk management of the existing problems in business are classified and summarized,according to the frequency and intensity of all kinds of problems,in-depth analysis of operational risk hidden behind and its possible consequences and losses.On this basis,surrounding environment,market,policy,organization,personnel,technology,process and other risk factors,the deep-seated causes of in-depth analysis of enterprise financing business operation risk.Combined with the question and the reason,please use,support,etc.longitudinal time line and regional,industry,customers,products such as horizontal space axis from two dimensions of corporate financing business funds,proposed the enterprise financing business risk mitigation measures and suggestions for the optimization of cube model construction enterprises,financing service operation risk management.In order to provide reference for risk management.