What causes the operational risk of commercial banks? How to avoid these risks?

Judging from the development history of commercial banks, the emergence of operational risk is inevitable, and it is a problem that must be faced and solved in the historical development of banking industry. Bank operational risk refers to all kinds of risks generated by bank staff in the process of performing their duties, including bank institutional liability accidents, financial accounting information distortion, business mistakes and mistakes. When these uncertain factors occur, it has a great impact on asset security. How to avoid the operational risks of commercial banks? The author believes that there are the following aspects: first, strengthen internal control; Second, strengthen the constraints of risk management system; Third, create conditions to prevent the financial supervision system from facing important problems in the process of business development.

To strengthen the internal control of banks, we must first improve and perfect the internal control system and establish an internal control system with clear post responsibilities. In the operation and management activities, we must determine the operation objectives and formulate corresponding post operation procedures according to the characteristics and requirements of modern commercial banks. The established post operation procedures should not only have the provisions and requirements for the degree of business risk and related personnel, but also have operability. For example: divide the positions under the jurisdiction of each operation department in detail, and clarify their respective tasks and responsibilities; Further improve, refine and standardize the internal examination and approval system and operation process; When dealing with business, we should pay more attention to grasping the policy boundary, system boundary and operation boundary to avoid business risks caused by carelessness; Further clarify the post responsibilities of employees, and there can be no major situations such as overload work (overload work refers to mechanical work) or personal injury or death under overload work. At the same time, it is necessary to establish a reasonable and effective incentive mechanism and restraint mechanism in combination with the realization of business objectives.

Risk is an uncertainty faced by enterprises and organizations. We can't replace objective reality with simple experience or subjective judgment, but we should use various means and methods to control risks. This is the key to risk management. First of all, it is necessary to accurately judge and scientifically predict possible business risks; Secondly, when carrying out risk inspection, we should pay attention to whether the system is stable and accurate, and give full play to the functions of risk inspection and control. Through data analysis and processing, information related to system operation can be obtained, which can reflect the actual situation and comprehensively consider risks; Third, check, analyze and feedback information regularly. In view of the existing risk problems, take corresponding measures in time to prevent operational risks; Fourth, constantly strengthen the internal control of various departments to reduce risks.

The financial supervision system is of special and important significance to the major problems faced in the process of enterprise development. Judging from the current situation, some major problems in the regulatory system also need to be solved urgently. Today, when financial development has entered a new stage, various financial risks are intertwined and superimposed, and the financial supervision system is an indispensable part of maintaining financial order. At present, there are many problems in the banking supervision department, such as unclear responsibilities, lack of checks and balances of power, and lack of supervision and restriction. Some financial supervision institutions cannot effectively handle the relationship between traditional supervision and modern supervision, and as a result, they cannot effectively fulfill the new requirements of financial supervision under the new situation. This situation will seriously restrict the healthy development of banking institutions. At the same time, with the continuous advancement of interest rate marketization reform and the continuous improvement of innovation ability of financial institutions, their operational risks will be further increased.

Standardizing operational risk management from laws and regulations is an effective way to improve the level of operational risk management. The key to operational risk management lies in "beforehand", and the main measures are as follows: First, strengthen the prior control of operational risk; do a good job in prevention, control and supervision of operational risk management. Second, strengthen the training of operators' business skills: in order to improve staff's business skills, we should increase the training of existing business processes, post standards and operating procedures, pay special attention to strengthening the construction of personal account managers' business skills and moral quality, and constantly improve their ability to prevent operational risks. The third is to strengthen the supervision of employees. Strengthening the supervision of employees is one of the important measures to prevent losses caused by bank personnel's violation of regulations and maintain the safety of bank assets.