Research On Operation Risk Management Optimization Of Auto Finance Business Of Ping An Bank

According to the Basel Committee on Banking Supervision,the most common banking risks are operating,credit and market risks.Through comparative analysis,it can be found that operational risks reflect a stronger complexity,involving a wider range,at the same time,in reality,there are also high concealment,difficult to identify and prevent the characteristics.Therefore,the identification and management of operational risk is a subject that the banking industry must pay attention to.In the process of controlling such risks,more advanced technical means and tools must be used to identify and eliminate all kinds of operational risks.At the same time,the influencing factors should be controlled to reduce the risk to the lowest level and avoid the impact on the banking business.In the research of this paper,the automobile finance business of Ping An Bank is selected as the object,and the operational risk is analyzed in detail.In this process,firstly,the literature analysis method is used to collect and analyze the existing research results at home and abroad,point out the research status of this field,and explain the relevant concepts and theories.On the basis of the new Basel agreement,the paper comprehensively analyzes the methods,contents and specific steps of operational risk management.On this basis,a multi-angle investigation and analysis of Ping An Bank is conducted.Based on the collection and processing of a large amount of information and data,the current situation of operational risks of auto finance business is clarified,and the existing weaknesses and problems are pointed out.At the same time,the evaluation system of operational risk management is designed,and the comprehensive use of analytic hierarchy process and other means to get the weight of each index.Then,with the help of fuzzy comprehensive evaluation,on the basis of quantitative analysis,pointed out the specific operational risks and daily management of the bank’s auto consumer finance business deficiencies.Finally,based on relevant theories and experience,combined with the characteristics of the bank and its business,this paper constructs scientific solutions and strategies,and develops targeted measures from multiple perspectives,such as strengthening system and process construction,strengthening personnel management,etc.This provides a comprehensive guidance and reference for the bank’s operational risk management,and provides a theoretical basis for its improvement and optimization of the current management program.At the same time,in order to strictly ensure the smooth implementation of the scheme in practice,corresponding safeguard measures are also constructed,so as to improve the implementation efficiency of the optimization scheme and ensure that it can achieve the best application effect under realistic conditions.The research based on this paper can further supplement the current research results and improve the theoretical system.At the same time,it can also provide theoretical support for the operational risk management of banks’ related businesses,promote banks to build a more scientific and perfect operational risk management system,realize the efficient identification and management of operational risks,reduce the negative impact of such risks,and promote the long-term healthy development of banks.