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Essay代写:Commercial bank operation risk

2018-05-17 | 来源:51due教员组 | 类别:Essay代写范文

本篇essay代写- Commercial bank operation risk讨论了商业银行的操作风险。商业银行的市场化运作产生操作风险具有客观必然,控制与防范操作风险是商业银行管理的一项长期任务。加强管理是控制操作风险的有力手段。商业银行操作风险控制也是一项长期的任务,需要相关人员的共同努力。本篇essay代写51due代写平台整理,供大家从参考阅读。

Commercial bank operation risk,商业银行操作风险,essay代写,代写,paper代写

The promulgation of the "Basel ii" puts forward the research of commercial bank operation risk, to explore the effective ways to reduce the operation risk, based on the analysis of the commercial Banks operating risk, on the basis of specific forms and causes, starting from the actual situation of our country commercial bank, draw lessons from foreign advanced experience, put forward the concrete countermeasures of prevention and control of commercial Banks operating risk, to reduce operational risks in commercial Banks has carried on the beneficial discussion.

Since the 1990s, a series of bank cases caused by operational risks have shocked the international financial community and posed severe challenges to the operational risk management of financial institutions. In June 2004, the "new Basel agreement" was issued, and the requirements for studying the operational risk of commercial Banks were put forward. , according to a report in the financial information reference 6, 2005, our country from 2000 to 2004, a total of the amounts in the case of the banking industry of one million yuan of above one million, including six cases, the people's bank of 15 agricultural bank, construction bank, 17, 18, bank of China, 10, and other financial institutions besides the amounts ominous 13 cases of other cases caused by loss of state-owned assets up to 2.415 billion yuan. In this case, it is of special importance and urgency to study the causes of operational risk of commercial Banks in China and their countermeasures.

The operation risk control of commercial Banks is a long-term task and requires the joint efforts of relevant personnel. In view of the actual situation of commercial Banks and drawing on the advanced experience of foreign countries, the following main countermeasures should be taken for the operation risk control of Banks:

Environment construction is the main part of organization culture, operational risk control environment construction should be started, the organization culture construction to make the risk control of commercial Banks control awareness, unified control idea, make the organization coordinated control between activities, control personnel's responsibility, right and benefit relationship clear, effective spontaneous control mechanism. Only in this way can the operational risk of commercial Banks be reduced or eliminated from the source.

Risk assessment is mainly analysis the possibility of risk and to identify the intended target, the process of risk identification and analysis is a continuous and iterative process, is also an effective control of the key step in the operation risk. In order to improve the evaluation mechanism of operational risk of commercial Banks, we should start from the analysis of internal and external factors, and build effective operational risk assessment mechanism for the characteristics of commercial Banks.

The practice of domestic and foreign commercial bank management proves that internal audit is an important means to reduce or avoid commercial bank operation risk. By implementing internal audit, it is constantly exposed the lack of commercial banking, and the shortcomings of the management system, so as to improve the system of internal control of commercial Banks, to achieve the purpose of reduce the operation risk.

The development of market economy on the business of commercial Banks and puts forward the optimization requirement management personnel, in the foreign commercial bank clerk in proportion to the degree or above personnel have more than 80%, and the ratio of commercial Banks in China and abroad compared also. In addition, due to the widespread use of computer and network systems in commercial Banks, higher technical requirements and personnel requirements are put forward to prevent computer crime and network risk. Therefore, improving the quality of business and management personnel is an important way to reduce the operational risk of commercial Banks.

Commercial Banks, joint-stock reform after the first priority is to build two level agents, SiQuan separation of modern company organization, and consider from the Angle of company value maximization, strengthen the common governance of stakeholders, the stakeholders to control operational risks in commercial bank's enthusiasm and initiative fully mobilize, through the common governance of stakeholders, constantly improve the corporate governance structure of commercial Banks, the principal-agent structure, shareholder governance structure and the system of managers.

With the popularity of computer in the commercial bank application, Internet, electronic monitoring system, the PS system, modern technology such as monetary inspection technology and management methods have to be widely used in the operating activities of the commercial Banks, and received very good results. Under the condition of market competition, the competition of commercial Banks mainly is a competition of talents and technology, under the condition of same personnel quality, technology and equipment level to a great extent, determines the degree of operational risk control as well as the commercial bank's competitive position.

Our country commercial bank operation risk cases and economic loss of about 90% from internal and external fraud, the main reason is due to the imperfect laws and regulations of our country, and the rules of the commercial bank has not yet been effectively the results of the work. Therefore, it is an important task to perfect the rules and regulations of laws, regulations and commercial Banks. With the gradual implementation of this strategy, the operation risk will be reduced. Preventing the risks of commercial Banks operating countermeasures are various, the above are just some of the key of the strategy, as long as the policy makers and management of commercial Banks can from these main strategy of operation risk control actively, and on this basis, the relevant aspects of extension control, will gradually increase control efficiency, achieve the goal of continuously reduce the operation risk.

The operation risk of commercial Banks is an objective necessity, and control and prevention of operational risk is a long-term task of commercial bank management. To explore the effective ways to reduce operational risks in commercial Banks, this article on operational risks in commercial Banks, on the basis of specific forms, analyses the main cause of commercial bank operation risk, and according to the actual situation of our country commercial bank management, based on the experience of the foreign operation risk management, under the market economy environment control is studied and the main countermeasures for preventing the risks of commercial Banks operating, to reduce operational risks in commercial Banks, and reduce the loss of state-owned assets and so on has the important practical significance.

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