摘  要:农村商业银行是近年来在农村信用社的基础上改制组建的股份制商业银行，因而农村商业银行承袭了农村信用合作社的基础差、资本充足率低、风险资产规模大、风险管理文化落后、风险管理意识不强、内控机制不完善、合规风险依然存在等一系列问题，而当前市场化程度较高的中国金融体系对农村商业银行的发展提出了更高的要求,而农村商业银行的健康发展也对我国金融体系的安全和稳定及农村经济繁荣有着重要意义。作为独立自主的市场主体, 农村商业银行必须在坚持“安全性、流动性、盈利性”的前提下, 努力提高自己的资产质量和盈利能力, 立足“三农”, 充分发挥金融机构的作用, 支持当地经济的发展，从而促进我国整体经济的发展。

　　　本文研究目的即通过对苏南农村商业银行运营风险的研究，针对其发展现状中存在的风险问题，提出一系列的风险防范措施，以规范苏南农村商业银行的运营管理，促进苏南农村商业银行的健康良性发展，壮大当地的经济的金融实力，更好的响应我国支持“三农”建设的政策号召，促进当地经济乃至我国经济的进一步发展。

关键词：农村商业银行；运营风险管理；防范措施

Abstract:In recent years, rural commercial banks based on the restructuring of rural credit cooperatives, set up joint-stock commercial banks, rural commercial banks, which inherited the basis of the rural credit cooperatives is poor, low capital adequacy and risk asset scale, risk management and cultural backwardness, risk management awareness is not strong, internal control mechanisms are inadequate, compliance risk and other issues still exist, and the current, higher degree of market of the Chinese financial system, the development of rural commercial banks, has put forward higher requirements, and rural commercial banks healthy development of China's financial system security and stability and economic prosperity in rural areas of great significance. As an independent market entities, rural commercial banks must adhere to the "safety, liquidity and profitability," the premise, strive to improve their asset quality and profitability, based on the "three rural", give full play to the role of financial institutions to support local economic development, so as to promote overall economic development in China .

   The purpose of this paper on operational risk in Southern of Jiangsu province Rural Commercial Bank study, for the development status of the risk in question, a series of risk prevention measures to regulate the operation of commercial banks in southern of Jiangsu rural management, promoting rural southern the sound development of the health of commercial banks, strengthen the local economy's financial strength, better responding to the "three rural" policy of the construction of the call, the local economy as well as China to promote the further development of the economy .

Key words: Rural commercial bank; Operations and risk Management; Countermeasures