The Research On The Management Of Operational Risk In Commercial Bank

As the center of the modern economic life—finance and banking, its safe and stable development is very important to the whole system and society. However, since the nineties of the 20th, with the continuously extending of the bank size, the rapid magnifying of the transaction amount and the continuously strengthening of the management's complication, a series of loss affairs from the operational risk stocks international finance. How to manage operational risk becomes the forward problem in international finance's theory research and practice. Therefore, Basel Committee on Banking Supervision issues three long consultant reports since 2001, and consults with the bank about how to establish the reliable operational risk system and supervisory mechanism, and asks for the finance services institutions to distribute capital to the operational risk.Along with joining in WTO, our finance services institution is about to face the mass entering of the international finance services, which will bring about great competitive pressure. And our finance services institution hopes to improve the management level to meet the international level. So, the operational risk management comes to the view of our finance and scholars. Moreover, the risk consciousness is relatively weak in our finance services institution for the long time, the management way is relatively behind, the management is deficient, the software and the hardware are not in advance, the difficulty of the operational riskmanagement is very hard and the ability of finding crisis and handling it is relatively low. So, to strengthen the management and research of the operational risk has very important theoretic and real meanings to improve the risk management level of our banks, strengthen the safety, profit and competitive ability.At present, domestic research on operational risk focus on the measure model, pay less attention to comprehensive analysis on it. Therefore, on the basis of other scholars' research, reference for the theory and practice technology of operational risk management from international banking, the paper tries to analysis the actuality of operational risk in our commercial bank from the characteristic of the operational risk and our bank. Basing on that, the paper tries to reengineer the governance structure, the organization structure, business process and risk management process of banking, construct the supervisory frame and information system of banking, build a system of operational risk management. So, we may identify, assess, monitor and mitigation/control the operational risk, and enhance the operational management level of our commercial banks.