From the perspective of the development history of commercial banks, the occurrence of operational risks is inevitable and must be faced and resolved in the historical development process of the banking industry. Bank operational risks refer to various risks that arise when bank staff perform their duties, including liability accidents in banking institutions, distortion of financial accounting information, business errors and mistakes, etc. When these uncertainties occur, they have a huge impact on asset security. How to avoid operational risks in commercial banks? The author believes that there are the following aspects: first, to strengthen internal control, second, to strengthen the constraints of the risk management system, and third, to create conditions to prevent the financial regulatory system from causing important problems faced in the business development process.

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 job responsibilities. In operation and management activities, business objectives must be determined according to the characteristics and requirements of modern commercial banks, and corresponding job operating procedures must be formulated. The formulated job operating procedures must not only contain provisions and requirements for the degree of business risks and relevant personnel, but must also be operable. For example: Detailed division of positions under each operating department to clarify their respective tasks and scope of responsibilities; further improve, refine, and standardize the internal approval system and operating procedures; pay more attention to grasping policy boundaries and institutional boundaries when handling business and operating boundaries to avoid business risks due to carelessness; the job responsibilities of employees are further clarified, and no super-intensity work (overload work refers to working in a mechanical way) or personal injury under overload work is allowed. Major casualties and other serious cases. At the same time, a reasonable and effective incentive mechanism and restraint mechanism must be established in conjunction with the realization of business objectives.

Risk is an uncertainty faced by enterprises and organizations. Simple experience or subjective judgment cannot replace objective reality, but a variety of means and methods should be used comprehensively to control risks. This is key in risk management. First, we must accurately judge and scientifically predict possible business risks; secondly, when conducting risk inspections, we should pay attention to whether the system operation is stable and accurate, and give full play to the risk inspection and control functions. Through data analysis and processing, information related to system operation that can reflect the actual situation is obtained, and risks are comprehensively considered; thirdly, regular inspections and analysis are conducted and information is fed back. In response to the risk issues that have emerged, corresponding measures should be taken in a timely manner to prevent operational risks; fourth, internal controls of each department must be continuously strengthened to reduce risks.

The financial regulatory system has special and important significance for the major problems faced in the process of business development. Judging from the current situation, some major problems in the regulatory system also need to be solved urgently. Today, as financial development enters 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 common problems in banking regulatory authorities such as unclear responsibilities, lack of checks and balances on power, and lack of supervision and restrictions. Some financial regulatory agencies cannot effectively handle the relationship between traditional supervision and modern supervision. The result is that 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, as interest rate marketization reforms continue to advance and financial institutions’ innovation capabilities continue to improve, their operating risks will further increase.

Standardizing operational risk management in terms of laws and regulations is an effective way to improve the level of operational risk management. The key to operational risk management lies in “beforehand”. The main measures are as follows: First, strengthen the exante control of operational risks: it is necessary to do a good job in advance prevention, control and supervision of the management of operational risks. The second is to strengthen the training of operators' business skills: with the purpose of improving the staff's business skills, increase the training of existing business procedures, job standards and operating procedures, and pay special attention to strengthening the business skills and ethics of individual account managers. Quality construction and continuous improvement of operational risk prevention capabilities. 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 due to violations and maintain the safety of bank assets.