Study On Operation Risk Management Of Rural Commercial Bank

The banking sector in the long-term development process is affected by the operational risk.After entering the new century,quickening the pace of financial innovation,the global economy integration trend to strengthen gradually,the banking sector in the rising number of operational risk,the risk not only hindered the healthy development of the Banks,also make it suffered huge losses,so many Banks in carrying out management work devoted more attention to the operational risk.Rural commercial bank belongs to the corporate financial institution,it is in the reform of rural credit cooperatives set up after,this kind of bank risks in the process of operation,and is affected by the system itself,they are in the risk of developing highly vulnerable to abuse,compared with other financial institutions,rural commercial bank the risk of higher ratings.In recent years,the development of this kind of bank speed is accelerated,the asset scale expands unceasingly,the rural commercial bank for the development of rural finance and rural economy has made the prominent contribution,the government and the management department also devoted some attention to the development of it.This research topic through access to relevant literature and data,to the operation of the rural commercial bank in risk and risk management had the further understanding and the understanding,in the related research are summarized,after finishing,discusses about the concept and characteristics of operational risk,this paper introduces the research on the management of operation risk;Then M rural commercial bank as the research object,combined with the author's work experience,will collect the data as a reference,analyzes the bank's risk management situation,points out the problems and defects of them.To help M rural commercial bank find coping strategies and solutions,this research topic for some foreign Banks in the risk management research and analysis,hope to get some successful experience and enlightenment,help M rural Banks to manage and respond to operational risk.Finally,the risk management theory as the guide,combining with the current reality put forward the method of operation risk management,mainly including awareness of the risk of the bank clerk,build a scientific,standardized system of risk management,establish perfect risk management system,establish and improve the organizational framework,optimize and improve the system structure,improve the level of internal control,establish special database,data collection and risk of loss,etc.