A Research On The Background Operation Risk Of Hubei Agricultural Bank

Background concentration is a new business model,which uses the process re-engineering in the way of the scattered,by the counter payment settlement,on-site authorization,supervision and management of the transaction to the background processing.With the increasingly fierce competition in financial services,the traditional business model has been difficult to adapt.Taking the customer as the center,using the difference and the personalized service to dig into the customer value becomes the main driving force of the reform of the operation mode.When demand changes,commercial bank counter function in the tilt to the service and marketing.Operation,authorization,supervision and other aspects of gradually separated from the background,the internal management and operation mode began to specialization,process oriented,intensive and information.The background concentration of the new operating mode,changed the original operation management organization structure,business process and risk management,the new operational risk arises.Based on the analysis of the characteristics and causes of the risk of the centralized operation of the background,this paper discusses the operational risk prevention measures in the background of Hubei Agricultural Bank from the aspects of system,process,personnel and external factors.This paper mainly adopts the methods of literature,practice analysis,case analysis and SWOT analysis.First of all,based on the theoretical analysis of literature,from the definition of operational risk,this paper analyzes the connotation,classification,characteristics and the importance of prevention of operational risk of commercial banks.Then,combined with the actual situation of Hubei Agricultural Bank,this paper introduces the definition of operation background,the framework of the operation system and the process and current situation of the background?Then use the SWOT method to analyze the advantages and disadvantages of the operation of the background of Hubei Agricultural Bank on the prevention and control of operational risk.According to the above theoretical and practical analysis,this paper focus on theanalysis of Hubei Agricultural Bank background centralized operation risk status.This paper also discusses the importance of risk prevention in the centralized operation of the background,summarizes the types,characteristics and causes of centralized operational risk.In order to reflect the practical significance of the study,this paper selects three operational risk cases,which are operation,authorization and supervision,respectively,from the Hubei Agricultural Bank's "three concentration".And under the support of the risk event samples and management data,the paper describes the facts,the anatomical reasons,and summarizes the experience.Finally,from the five aspects of system control,process control,internal management,outsourcing management operational risk prevention suggestions and countermeasures of Hubei Agricultural Bank background concentration...