本篇paper代写- Commercial bank operation risk management讨论了商业银行操作风险管理。商业银行作为现代经济活动不可或缺的重要组成部分,其经营质量和运营效果直接影响着现代经济发展,已经成为新时期人们关注的焦点。近些年,全球银行操作风险损失事件频发,而风险控制效果却并不显著。如何在上述背景下把握银行操作风险信息及数据,将其应用到实际风险处理过程中,形成针对操作风险管理策略及管理体系已刻不容缓。本篇paper代写由51due代写平台整理,供大家参考阅读。
The banking industry started to pay attention to operational risks late, and the understanding, understanding and management of operational risks are in the primary stage. The basic theories related to operational risk management of commercial Banks are discussed. On the other hand, it clearly puts forward the most effective and realistic means to manage the bank's operational risk under the immature condition. The above research can fundamentally improve the commercial Banks operating risk management construction, analyze the operation risk management status, to explore the difficulty of operation risk causes, management and weak links, and a clear focus on personnel, key links, major methods and key business focus of etc., puts forward effective operational risk management measures, so as to better deal with operation risk, has the very high practical value.
Inadequate understanding and operational risk management. Although the operational risk management is taken as an important part of risk management and corresponding operational risk management system is formed in the process of the daily business of bank, the content of operational risk management is not fully publicized and education is not published, and there is serious error in personnel understanding. In the process of investigation and research, the author found that more than two-thirds of workers will be confused operation risk management and risk management content, did not understand the operation risk management content and specific details, in the work to operational risk management in place, and the bank in the process of other departments set up Numbers were significantly higher than that of job requirements, low utilization rate of human capital.
Lack of tools, process operation hidden trouble. The operational risk management tool is the basis to ensure the benefits of the bank's operational risk management. Although the corresponding operational risk management tools were also set in the process of bank's operational risk management, the risk avoidance effect was not ideal due to the relatively simple tools. Bank, on the basis of the building set risk and control self assessment, loss event reporting and data collection, key indicators of risk monitoring, new products and new business risk assessment, internal control testing and examination method, operation risk reports for the integration of operational risk management system, want to use these tools to strengthen the operational risk management. However, due to the complexity and difficulty of operation of the tool, its use benefit is not significant. Process vulnerabilities. The high operational risk is an important issue in bank's operational risk management, which directly affects the effect of bank's operational risk management. At present, process vulnerability has become the focus of current bank managers.
In the process of bank's operational risk management, there are obvious loopholes in the system system, which to some extent increases the risk of system execution and seriously affects the operating efficiency of bank. Although bank combined different business types to form corresponding business systems and business operations, the system setting is more difficult due to the complexity of the content, and the coordination effect is not ideal.
In order to ensure the effect of operational risk management, Banks must perfect the basic structure and set up the basic content, so that they can complete the construction of the operational risk management system step by step. Although bank has established relatively complete basic structure of operational risk management, there are still some problems in relevant aspects, which are embodied in three aspects, namely internal audit, function decentralization and function deficiency.
Improve the management organization and form an independent system. In the process of bank operation risk management, it is necessary to improve each department and design the organizational structure well. For example, the head office shall coordinate all operation risk management work, the committee and the audit department shall carry out detailed management contents and implement all operation risk management tasks. Strengthen personnel training and improve personnel quality. In the process of talent cultivation, bank needs to communicate well with its parent bank in Singapore, enrich its operational risk management work through the introduction of talents from the parent bank, adjust its operational risk management business with the help of experienced and technical talents, and set up and cooperate well. Second, it is necessary to build good docking platform with the talent market, and attract more experienced, skilled and innovative operational risk managers to participate in the construction process of bank's operational risk management system, so as to comprehensively improve operational risk management business level. Third, it is necessary to form a good cooperative relationship with colleges and universities, use advanced theories in colleges and universities to "arm" their own operational risk managers, and improve their operational risk knowledge and skills.
Grasp business process and do dynamic control. The first step is to design the business process. It is necessary to comprehensively manage various financial products and resources in the bank, strive to improve the market competitiveness of banking products while achieving management differentiation, so as to gain more market development space and expand banking business. Second, the degree of dynamic management should be improved. Risk is not unchanging. Managers need to start from a dynamic perspective when conducting analysis, so as to ensure the accuracy of analysis and reduce the risk of operation of the bank's business process. Banks, on the other hand, internal auditors should do a good job in supervision and enhance their professional quality and improve the ability of risk awareness and risk response, accumulate experience, against risks in the specific environment audit on the basis of the combination of bank operations, such as credit audit, cashier audit, financial accounting, audit, audit of foreign exchange, etc.
Evaluate quantification well, strengthen intelligent management. In terms of bank's operational risk measurement, bank should reasonably use the advanced measurement method on the basis of current measurement, improve the accuracy of risk measurement through this method, comprehensively grasp the actual situation of operational risk occurrence and control the possible problems, so as to guarantee the reliability and effectiveness of risk measurement. At the same time, it can also properly use the loss distribution measurement method to analyze the loss event status, determine the operation risk management effect on the basis of the loss event database, adjust the risk control scheme, and minimize the bank operation risk. Based on risk incentives, risk indicators and historical statistical data of loss events, etc., mathematical algorithms are used to establish the multivariate distribution model diagram, and the correlation degree and development status between the above factors are determined by the change of graph line, so as to make the adjustment of bank operation risk management.
Establish transfer system and realize risk sharing. The transfer system mainly refers to the insurance transfer system, which is widely used in China's commercial Banks and, to some extent, realizes the transfer of bank operational risks. However, bank does not pay much attention to this aspect, and the construction of insurance transfer system still needs to be further improved. Establish early warning mechanism to enhance the effectiveness of prevention. In the process of building this early warning system, it should be clear: the specific matters of the recovery of key business should be made clear through the analysis of the loss of business after the occurrence of operational risks of the bank, and the order, time, content and target of the recovery of key business should be made clear, so as to ensure that personnel should restore them in strict accordance with the requirements of the system. Operational risk emergency contents: set operational risk emergency management system based on specific business conditions such as data, system, personnel, resources, etc., clarify matters needing attention and requirements for emergency management, and formulate emergency response plans and procedures based on department characteristics; The crisis communication and coordination system is designed by combining the bank's business content and business situation, making clear the communication content and coordination requirements, dividing the power of crisis management, and controlling operational risk accidents strictly according to the crisis management system.
The establishment of the above business continuity management warning system can effectively reduce the economic loss of Banks caused by unexpected events, help Banks provide better services to customers, and help achieve "win-win" of bank development.
In the analysis of the operational risk of bank, there are still some parts that cannot be considered. The main analysis is carried out in theory. Due to the limited knowledge level and partial restrictions on the cognitive degree and management level of the operational risk of bank A, the understanding of the operational risk is incomplete and incomplete. In the future, we will continue to collect and analyze operational risk data and continuously learn relevant knowledge of operational risk management of commercial Banks.
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