| The financial sector in China has gradually liberalized the monopoly mechanism with the modern network technology and mobile Internet technology wave rapidly.The risk of banking business is increasing due to the economic downturn,especially the operation risk of commercial Banks is facing genormous pressure.In recent years,operation risk cases occurred frequently,which need to be controled.But domestic commercial Banks are now understanding of its understanding and importance is not enough,which may cause a great loss.In this paper,we study operation risk management of bank of Z,W With strong research significance of reality.This article learned the definition of operational risk,measurement and management of related research by read correlational research,acquired a comprehensive understanding of operation risk in commercial bank.Combination of operation risk management elementary theory knowledge,W and Z bank branch operation risk facing the status quo,this paper mainly do the following analysis:The key link of business operation risk control is particularly important.The company's business is the bank of Z,W the main business contribution to the economic profits,business involves account opening process,business process change,open an online banking procedures and units daily settlement process and to apply for a loan process,each link all possible operation risk points.Combined with operation risk comprehensive definition of the business process with the bank of Z,W,Operating mainly for the operation risk,credit risk and operational risk information technology operation.Based on the risk management of bank of Z,W two typical operation risk specific case analysis,it was concluded that the bank in the face of internal operations such as collusion with external fraud risk when there are some loopholes in management.Aimed at the bank of Z,W the main problems of operational risk management,we obtained the perfection of the bank of Z,W operation risk countermeasures and suggestions:Implementing targeted operation risk managementmeasures;To perfect internal control system,advocating the compliance for this;Improving staff operating risk awareness,strengthen the training of employees;Improving operational risk management processes and management methods. |
