| After rapid economic growth over more than 30 years of reform and opening up,China’s economy has shifted from a high-growth phase to a high-quality development phase in recent years.It is now in the period of tackling changes in development methods,optimizing economic structure,and transforming growth momentum.The economy continues to operate at low levels..Problems such as the downturn in the real economy and overcapacity have caused a large number of credit default risks in the financial sector.From the perspective of commercial banks,the most direct manifestation is the explosive growth of bad asset balances.At present,the credit risk of commercial bank credit business has rapidly spread from the eastern coastal areas to the central and western regions.Due to the rapid growth of non-performing loan balances,the risks faced by commercial banks have been transferred from credit risk to operational risks in the handling of non-performing loans.Since the "Basel Ⅱ" incorporates operational risk into a comprehensive risk management system,operational risk management in commercial banks in our country has achieved certain development.However,the emphasis attached to credit risk,market risk and operational risk in a more comprehensive risk management system remains insufficient.On September 27,2016,China Banking Regulatory Commission(CBRC)officially released the "Guidance for Comprehensive Risk Management in Banking Financial Institutions",requiring financial institutions to establish a comprehensive risk management system.The Guidelines cover capital management,credit risk,market risk,liquidity risk and operation Risk and balance sheet management and other fields,but also put more stringent requirements on operational risk management.Establishing and perfecting operational riskmanagement system is very important for banks to implement comprehensive risk management.However,the operational risk prevention of disposal of non-performing loans becomes more and more important under the influence of external environmental factors in commercial banks.However,there is still a lack of research on this topic in the industry,which fails to match the business development level of banks and the requirements for disposal of non-performing loans.As a large state-owned commercial bank branch in Yunnan Province,Bank A has supported the economic development of Yunnan for many years and a large amount of credit funds have been linked with key industries and key projects in Yunnan Province.Affected by the economic cycle and the adjustment of Yunnan’s industrial structure,a large number of bad credit assets have been accumulated in recent years,affecting the operating performance of Bank A.How to digest nonperforming loans through a variety of asset disposal methods and not create new operational risks due to specific operational problems during the disposal process is one of the major problems Bank A currently faces.In this paper,A Bank non-performing loans disposal,operational risk management system and the actual case occurred for the analysis of the object,the purpose is to combine the actual case,the Bank’s overall operational risk management framework,management methods,combined with the characteristics of non-performing loans disposal business,sort out the business Process and found the point of operational risk,put forward a more suitable A bank non-performing loans management of operational risk management path. |
