In recent years, with the development of China's financial industry, China's commercial banks' operational risk events continue to occur and the financial market is in chaos. Operational risk management has become a key link in the financial industry risk management system. China's commercial banks occupy the leading position in the financial market for a long time. With the continuous innovation of business process, the continuous development of new business and the expansion of scale, the loss and prevention difficulty caused by operational risk are also increasing, and the operational risk is difficult to be completely eliminated by the management organization because of its wide distribution and high management difficulty. Due to its special historical background and different business model from other commercial banks, postal savings bank has many potential risks in business development and management. This paper takes the operational risk case of Wuwei Branch of Postal Savings Bank as the research object, compares the research results of domestic and foreign scholars on operational risk, analyzes the status quo of operational risk management of Wuwei Branch of postal savings Bank, and comprehensively explores the operational risk management mode of postal savings Bank on the basis of studying its operational risk characteristics and causes. Through sorting out the case process, it is found that there are some problems in the operational risk cases of Wuwei Branch of Postal Savings Bank, such as unclear principal-agent responsibility, soft constraints in business process management, barriers in internal data communication, and asymmetric information in the financial market. Through the analysis of the weakness of internal system execution reflected in the unclear principal-agent responsibility in the case and the specific problems of employees' opportunism tendency, this paper believes that the bank's internal management system should be optimized by adjusting the internal organizational structure, paying attention to employee training and the construction of compliance culture. Aiming at the specific problems of imperfect risk early warning system and failure of risk assessment reflected by soft constraints in business process management, this paper argues that it is necessary to strengthen the process control of bank business process by perfecting the risk early warning system and establishing a reasonable risk assessment system. Aiming at the specific problems of the lack of communication between subordinate institutions and internal departments and the lack of interworking of internal business operating system, which are shown by the existing barriers of internal data exchange, this paper believes that the internal data construction of operational risks can be strengthened by improving the communication channels between various departments of the bank and building the interworking platform of internal operating system. In view of the asymmetry of information between Banks and legal supervision in financial market, this paper believes that the information disclosure mechanism of operational risks can be improved by actively building the risk information sharing platform of banking industry and relying on relevant laws and regulations to prevent and defuse risks. This paper studies and analyzes the problems existing in the operational risk cases of Wuwei Branch in order to establish a scientific operational risk management mechanism, guide postal savings bank to strengthen operational risk management, and expand the exploration perspective of operational risk management in the banking industry.
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