Research On Operation Risk Management Of Retail Business Of State-owned Commercial Banks By FIN-TEC

State-owned commercial Banks by joint-stock reform and strategic investors,made remarkable achievement in the retail business,some commercial Banks retail business income accounted for half,and maintained a rapid development.But at the same time,the retail business is also a high incidence of operational risk,as one of the three major risk.The operation risk has drawn great attention of the Banks.For state-owned commercial Banks,the retail business presents a large management radius,a large number of participants,complicated business characteristics.It's difficult to manage the operation risk.At present,the state-owned commercial Banks generally adopt a large amount employee into operation risk prevention and control.In this article,through the form of case,the current retail business of state-owned commercial Banks operating risk management carried on the thorough analysis of existing problems,the current operational risk management have the features of low efficiency and high cost.In order to adapt to the transformation of retail business strategy of commercial Banks,this paper puts forward the solution of using fin-tech tools to service operation risk management,and proposes systematic solutions from the theoretical level.The solutions proposed in this paper are more theoretical at present,and the practice cases of commercial Banks are few and need to be summarized and supplemented in practice.