Research On Operational Risk Management Of Industrial And Commercial Bank Of China Branch Z

Since the 1990s,the process of global economic integration has been accelerated,the control of financial industry by government departments has been gradually relaxed,the financial field has been developing and innovating,the business scale of banks has been expanding,the business has become more diversified,the products of banks have been renovated day by day,and the harm of operational risk to the banking industry has become more and more obvious.Many banks around the world have experienced risk events caused by operational risks,and the amount of losses and the degree of impact are very large.China's financial institutions are relatively backward in risk management methods,lack of management experience and advanced theory.It is found that the emergency handling mechanisms of crisis and crisis response are relatively low.Compared with the excellent commercial banks in the world,there is still a big gap in operational risk management ability,and there are still some deficiencies in the understanding and means of operational risk management and internal control.Based on the research object of Industrial and Commercial Bank of China Z Branch,this paper combs the relevant concepts and theories of commercial banks' risk management,analyses the current situation of operational risk management of Commercial Bank Z Branch,and starts with the current operational risk control system of Industrial and Commercial Bank Z Branch and various assessment indicators to analyze the existing problems.The main problems are as follows: risk concentration.Exposure,increased pressure on prevention and control;lack of responsibility,management performance anomie;lack of coordination and communication,prevention and control of blind areas;business philosophy deviation,risk awareness is not strong.From the angle of internal control,this paper puts forward the countermeasures to solve the problems.Through improving the management system of operational risk,improving the management structure and communication mechanism of internal control,enhancing the means of personnel management,establishing the internal control policy of Combining Leniency with strictness,developing the automation of business system,implementing multi-dimensional monitoring from top to bottom,and establishing supervision and supplementary system,the comprehensive operation risk can be realized.Control.It is hoped that this study can provide usefulhelp for the operational risk management of Industrial and Commercial Bank of China branch Z,and provide theoretical reference for the risk management of China's banking industry.