Research On Operational Risk Management Strategy Of Commercial Bank Retail Business

In recent years,domestic commercial banks have vigorously developed retail business.Retail business has gradually become one of the most important business types of commercial banks,and even become the main source of profits for many commercial banks.Retail business involves a wide range of business varieties and customer groups.It has the characteristics of "small amount and dispersion".In the past,it was called a risk-free business.With the complex changes of social and economic environment,as well as the innovation of retail business itself,retail business gradually appeared some operational risks,some even high frequency or high loss,need to attract the attention of commercial banks.Therefore,it is of great practical significance to study the operational risk management of retail business of commercial banks.How to prevent and control operational risks has become an important issue to be considered in the operation of retail business.The theme of this paper is divided into four parts.Firstly,it introduces the scope of retail business of commercial banks,and puts forward the types and measurement methods of operational risk of commercial banks generally recognized at home and abroad through literature research methods,so that readers can have an intuitive understanding of retail business and operational risk of commercial banks.Secondly,taking H Bank as an example,and according to many typical examples of retail business operational risk of commercial banks in recent years,this paper expounds the problems existing in retail business operational risk management of commercial banks through qualitative and quantitative analysis methods.Thirdly,TSA(the Standardized Approach)stipulated by Basel Ⅱ and CBIRC(China Banking and Insurance Regulatory Commission)is adopted to measure the operational risk regulatory capital of H Bank,analyze the distribution of operational risk of retail business lines in each line,and find that the operational risk of retail business lines is high.Finally,aiming at the problems existing in the development of retail business,this paper puts forward a series of mechanisms to prevent and control operational risk,including strengthening risk prevention and internal control,and puts forward risk management strategies to improve operational risk management system and strengthen safeguard measures.The innovations of this paper are as follows:First,it pays attention to the operational risk management in the newly developed retail business of commercial banks,and the topic has strong practical significance.Secondly,using case analysis and the combination of qualitative and quantitative methods,this paper reveals all kinds of operational risks exposed in the retail business of commercial banks.Thirdly,quoting the actual operation data of H Bank,the TSA stipulated by Basel II is used to measure the operational risk of commercial banks,which is used to analyze the degree of operational risk in the field of retail business,which also has a certain reference value for banking practitioners.