On The Basis Of Improving The Internal Control Of Commercial Banks To Prevent Operational Risks

Since China's reform and opening up,China's economy has entered a stage of rapid development.As an important part of the entire economic system,the financial industry plays an indispensable role in economic development and change.With the continuous progress of the financial industry,as an important part of the financial industry,commercial banks are often face many risks and challenges.Looking at the risks involved in commercial banks in recent years,operational risks have occurred from time to time,which has raised our attention to operational risks with new warnings.In order for the banking industry to maintain a stable and healthy operating status,it is necessary to improve the management of operational risks and the level of internal control.Many commercial banks' huge loss cases are caused by operational risk,which also makes operational risk an issue that everyone urgently needs to pay attention to and deal with.Therefore,in order to better prevent financial risks,it has become a subject of practical significance.Because operational risk is endogenous,hidden,extensive,and difficult to quantify,preventing and controlling operational risk is a long-term issue.First,based on domestic and foreign research,the article conducts in-depth research based on the "New Basel Capital Accord",and analyzes the operational risk of commercial banks from the perspective of internal control.On the basis of related theories of operational risk,including the concept of operational risk,the characteristics of operational risk,and the classification of operational risk,and further analysis of the relevant theories of internal control and the correlation between internal control and operational risk.It also analyzes the operational risk process of commercial banks and the risk nodes that commercial banks may cause to operational risks.The above provides relevant theoretical basis for this article.Secondly,the article analyzes the economic losses and social losses caused by the false financial management cases of Minsheng Bank through the perspective of operational risk.This article deeply analyzes and studies the case of fake financial management by Minsheng Bank.Through the analysis and arrangement of some data,it analyzes the reasons and related problems that caused the sale of fake financial products in the case.Through the analysis of the case,some measures and methods forcommercial banks to prevent and control operational risks are obtained.Finally,through related factors affecting operational risk,from the perspective of internal control,some measures and suggestions for preventing and preventing operational risk are proposed.Starting from the concepts of prevention of operational risks,the organizational structure of risk management,improvement of responsibility for operational risks,improvement of organizational structure,and improvement of operational risk monitoring methods,it is intended for commercial banks to prevent operational risks and improve operational risk prevention Capacity,and put forward some suggestions and opinions to promote the stable and stable operation and development of the economy.