Research On Operational Risk Management Of Agricultural Bank H Branch

The operational risk of commercial banks is a complex and ancient risk,which exists with the birth of the banking industry.But for a long time in the past.Commercial banks mainly focus on the management of market risk and credit risk,but ignore the management of operational risk.In recent years,behind the rapid economic development,the operating risk of the banking industry has become increasingly prominent,in which operational risk events continue to rise,which has become one of the main threats faced by financial institutions.How to deal with the loss caused by operational risk and improve the ability of banking departments to prevent and manage operational risk has become the regulatory department of our government.And one of the most important problems to be solved in the current work process of the bank.In recent years,there have been many amazing financial tragedies at home and abroad.In the final analysis,the theoretical and regulatory departments at home and abroad do not have a deep enough understanding of operational risk.With the continuous expansion of commercial banks,it is urgent to establish a symmetrical operational risk management system to maintain the stability of the financial environment.The development of each business of commercial banks will face a variety of complex operational risks.Only by having a deeper understanding of the causes of operational risks can we better grasp the operational risks.Only by knowing well can we know how to avoid the losses caused by improper operation in the future business development.Operating wind Risk management has important theoretical and practical significance,mainly as follows:(1)it is beneficial to improve the management level of Agricultural Bank H Branch;(2)it is beneficial to the improvement of operational risk management system of Agricultural Bank H Branch.This paper mainly analyzes the operational risk of Agricultural Bank H Branch and puts forward the measures taken for operational risk management.The full text is divided into six parts,the first part is the introduction,mainly introduces the significance of this topic and the methods used,as well as the current research progress in the academic field.The second part analyzes the theory of operational risk of commercial banks.The third part,through the introduction of Agricultural Bank H Branch,and then analyzes the operational risk of Agricultural Bank H Branch and summarizes the current situation of operational risk management of Agricultural Bank H Branch.The fourth part analyzes the problems existing in the operational risk management of Agricultural Bank H Branch.First According to the present situation of operational risk management of Agricultural Bank H Branch,the fifth part puts forward the countermeasures and suggestions for improving the operational risk management of Agricultural Bank H Branch.The sixth part is the conclusion and prospect.In this paper,the research object of operational risk of Agricultural Bank H Branch is studied by using literature research method and case study method.The results show that the operational risk in Agricultural Bank H Branch can be dealt with through five aspects:(1)paying attention to the influence of external environment on bank operational risk;(2)perfecting the internal power and responsibility management and defining the construction of risk system;(3)optimizing the method of operational risk management;(4)strengthen the culture of operational risk management and the construction of talent team;(5)establish the monitoring system of key operational risk indicators.