Research On Operational Risk Management Of Bank X Bank Y Branch Business Operations

Along with the continuous deepening of economic globalization and financial globalization,coupled with the fact that the financial industry continues to introduce modern technology in its management process,the transaction level and service efficiency of commercial banks have indeed achieved a certain degree Promotion.For commercial banks,among the three major risks of credit risk,market risk and operational risk,operational risk has become the oldest,the most widely distributed,the most difficult to manage,the most difficult to measure,and bring the most losses for commercial banks because of their characteristics.As the most basic and core link of operational risk,business operational operational risk has relatively more attention and investment in management resources in daily operational risk management of banks.Business operation is the basis of the bank's daily management and the development of various businesses.It has many functions such as accounting,intermediary services,and accounting supervision.Business operation operational risk is also the most basic and core management category in the operational risk management of commercial banks.The study of the system and its application to practical business operation operational risk management are very important in the comprehensive risk management of commercial banks.This article attempts to adopt a combination of normative research and case studies on the basis of the definition of commercial bank operational risk management and business operational operational risk,select the case of Bank X branch Y as the research object,and use the ideas and methods of project risk management.Throughthe analysis of the current status of business operation and operational risk management of Bank X Bank Y,it has extracted its specific problems in the identification,evaluation and control of business operation operational risks,and from the operational risk internal control system,system implementation and risk management Analyze the reasons for technology and business operation performance assessment.Finally,optimize the risk identification plan,evaluation plan and control plan of Bank X Bank Y branch according to the risk management process of commercial bank business operation,specifically by improving the risk identification method,optimizing the risk identification process,and determining the risk factors;thus improving the risk evaluation indicators System,determine the weight of risk evaluation indicators,and evaluate the evaluation results of the indicators;finally optimize the risk management process of business operations,strengthen the control of high-risk business links,establish a risk early warning system for risk early warning analysis,and strengthen the control of employee behavior.