Study On The Improvement Of Operational Risk Management Of DS Village Bank In T City

The village and town economy has always been an important part of the national economy with basic significance.The emergence and development of the village and town banks have contributed to the implementation of the central government's important deployment of "precision poverty alleviation" and "inclusive finance",And it is important to provide a micro economy and help agriculture,rural and farmers to strengthen and improve China's multilevel,extensive coverage and differentiated financial system.After more than ten years of development,the number and scale of village and town banks have increased rapidly and become an important part of China's rural financial system.However,at the same time,the bank's Bank has a high management cost,is highly specific to the customer layer,is weak in risk prevention and control capability,and the bank competition intensifies,and the development is facing a certain risk.Under this background,it is of both theoretical and practical significance to analyze the existing and urgent problems of risk management in rural banks in China.On the basis of summarizing the existing research theories and combining with the development of the village and town banks in China,this paper evaluates the various operational risks that the village and town banks of t city DSare facing at present,and analyzes the internal and external risk causes.It is found that the main operational risks faced by DS village banks in t city include four types of risks,the risk situation is generally poor,especially the credit risk and liquidity risk.Its risk causes include internal factors such as imperfect organizational system,imperfect system and process,staff quality to be improved and financing model to be innovated,there are some external factors,such as the uncertainty of agricultural production,the weak credit consciousness of farmers,the third-party security mechanism such as rural guarantee system and agricultural insurance,the stability of government policy and the support of government,etc..In view of the above-mentioned causes of operational risks,this paper puts forward the guarantee measures of operational risk management of village and town banks from the dual angles of operational management and government's precise measures,and further from the four aspects of organization,system,personnel and culture.