Relationship Research Between Commercial Banks Operating Efficiency And Operational Risk

Commercial banking business losses caused by many factors in our country, for instance:Credit risks, market risk, operation risk and so on. Because of its numerous, the record fewer loss data, difficulty measure and so on, operation risk becomes one of quite serious issues in our country Banking and even international financial. How to effectively prevent operation risk, is the important topic in the international finance activities, and have also the most challenging the topic to risk investigation domain in the present within a certain number of years.This paper embarks from the domestic and foreign researching operation risk, and measures commercial bank's status and the presence of difficult problems in our country as the breakthrough point, and utilizes the comprehensive research methods, and derives Fan Xin, Li Jibin and so on as the representative of the research scholars results, and thoroughly studies operation risk in our country commercial bank to measure operational risk issue. First of all, on the operational risk definition and classification of the major Chinese commercial banks are described and analyzed; Secondly, this paper is introduced the basic requirements for operational risk measurement in commercial banks and the basic method of measurement and applying to Chinese commercial banks in their operational risk measurement methods; Thirdly, the data on operational risk measurement system is required and proposed a new point of view, that is the basic model which is based on DEA's operational risk measurement distribution; Finally, through the media publicly report, operational risk loss data is carried on collection and statistics, and analyzed by the basic model of DEA empirical, and fitted Operational risk loss data distribution. According to the theoretical analysis and the empirical analysis result, drawing on the foreign bank's successful experience in operational risk management is proposed to strengthen our commercial bank to operate the specific risk management measures and recommendations.Finally, the DEA estimated that commercial banks may gain possible income and derivative loss of data. some problem rooted in DEA method itself, the work must be perfect to add the following:this paper must be verified by relying on the basic assumption, which is the premise of rationality; be deductived reasoning re-considered, it is reasonable assurance; be empirical analyzed, this is a manifestation of rationality.