Research On Counter-Serivce Operational Risk Management Of NingXia Bank

Operational risk management is that the years of financial regulators and major commercial banks gradually raise a key concern of the risk management activities,and operational risk,the most important,the most critical part of the content and is counter operational risk.With the Bank of cases in recent years due to operational risk caused by increased year by year,major commercial banks are relatively strengthened the management in this regard.Ningxia Bank also actively learn from the advanced banking practices,from 2012 onwards and gradually try to build a comprehensive risk management system in Ningxia Bank,comprehensive approach to improve risk management.In the process of the implementation of Ningxia bank's overall risk management,operational risk due to operational risk,especially incase lack of knowledge,lack of effective risk data extraction,analysis systems and controls of professional science,making the management of operational risk incase effective and was not significant,so how to strengthen the management of operational risk Ningxia bank counter is a topic worthy of further study.By Basel ? operational risk given the definition and characteristics,reference research scholars,and the operation risk management in Ningxia bank counter business conduct in-depth analysis,based on the typical cases of analysis and quantification of operational risk loss events analysis.Reveal the cause operator business is not high quality,business systems behind the revised system is not timely is the main cause of risk event occurs,thereby exposing the Ningxia bank counter operational risk management deficiencies and defects.Finally Ningxia bank counter operational risk management problems put forward practical suggestions:First of the entire operational risk level proposed to strengthen the construction of three persons,the system,the system is recommended;the second is for the Bank of Ningxia cabinet face business specific operations proposed five suggestions:First,first to counter effectively identify operational risk;second is to increase the integration of Bank of Ningxia audits;third is to refine the training to enhance counter personnel risk prevention;fourth is to strengthen the assessment of penalties and other measures to counter the risk of an event.To effectively improve the situation of Ningxia bank counter operational risk management solutions and proposals put forward,hoping to provide valuable lessons for the Bank of Ningxia comprehensive risk management.