Research On Operational Risk Management Of Commercial Banks From The Perspective Of Internal Control

In recent years,China's socialist market economy has developed rapidly,and commercial banks have become the main force in the development of China's financial industry.In the process of rapid economic development,commercial banks are also constantly developing new businesses and improving old businesses,but many risks are also followed.Come.Operational risk is easy to cause huge losses to the operation of commercial banks.Therefore,China's academic and financial fields have paid extensive attention to and in-depth research on operational risks in the operation of commercial banks.How to improve the operational risk management ability of commercial banks while strengthening the internal control and management of commercial banks,so as to ensure the stable development of commercial banks is the focus of current research.At present,this has become the top priority for China's commercial banks to prevent operational risks.Compared with developed countries,the management of operational risks of commercial banks in China is relatively lagging.In recent years,the regulation of macroeconomic policies and the deepening of banking supervision have made commercial banks face more severe challenges,and they have to survive in the fierce market competition.It is necessary to clearly understand the situation and,in light of its own reality,thoroughly implement the implementation of the bank's internal control system,in order to regulate bank operations,avoid operational risks,and improve the comprehensive strength of commercial banks.At this stage,many commercial banks in China have begun to introduce the concept of internal control into the whole process of operational risk management,which has improved the level of internal control system construction of commercial banks in China.However,we must also realize that in the process of continuous trial and adjustment,the hidden dangers of operational risk management caused by internal control failure still exist.In this context,from the perspective of the relationship between internal control and operational risk of commercial banks,this paper analyzes and summarizes the concepts and characteristics of commercial bank operation risk management and internal control system.Based on theoretical research,this paper takes Changchun K Commercial Bank asan example.This paper introduces the actual cases of operational risk and analyzes the current situation of operational risk management of commercial banks.From the perspective of internal control of commercial banks,this paper analyzes and summarizes the problems existing in the bank's operational risk management,and on this basis,explores the causes of the problems.Based on theoretical analysis and case analysis,this paper puts forward the countermeasures and suggestions for commercial bank operation risk management from the perspective of internal control.It hopes to comprehensively improve the operational risk management level and internal control management level of commercial banks,and improve the bank's risk prevention.ability.