For a long time, China's commercial banks have mainly carried out traditional businesses such as deposits and loans. At this stage, China's economic environment has undergone major changes. The commercial banks that manage traditional businesses can obtain less and less income, and the development space is gradually shrinking. The financial reform has been comprehensively promoted, the economic environment has become more and more open, and the rising of foreign banks and private banks has made the competition faced by commercial banks in China more fierce. The traditional business model of commercial banks has been greatly challenged and risk. In China, rural commercial banks mainly serve farmers. Their main business is extensive and involves agricultural issues. Unlike other banks, rural commercial banks are the main force for financial support for agricultural development. Therefore, the management of rural commercial banks is particularly important. On this basis, this paper selects Heze Rural Commercial Bank as the research object, analyzes the existing operational risks, and proposes effective improvement measures and suggestions.

Abstract
Ⅰ.Introduction
Ⅱ. The external environment faced by China's small and mediumcommercial banks
    1. The business environment is becoming more and more complicated
    2. Increased risk of external uncertainty
    3. External risk correlation enhancement
    4. Banking business model is old
Ⅲ. Heze Rural Commercial Bank's operational risk analysis
    1. Lack of compound talents
    2. Internet financial impact business development
    3. Financial product innovation needs to be improved
    4. The risk assessment system is not perfect
Ⅳ. Heze Rural Commercial Bank's countermeasures to controlbusiness risks
    1. Increase the training of business personnel
    2. Actively develop Internet finance
    3. Continue to promote financial product innovation
    4. Continuously improve the risk assessment system
References

• MA FEI(South Seoul University, PhD student, Intermediate lecturer; HEZE University, teacher)