A Study On The Credit Operational Risk Of The Commercial Bank

Along with IT development, the financial commerce is gradually value the riskmanagement of the commercial bank. In the second draft of "The New Basel CapitalAccord" , operational risk and credit risk, market risk are bring into the first major ofpillar that bank takes charge of along together. Particularly to operational risk, thebasic and clear request to the operational risk capital is put forward in it. Thecommercial bank manager much values the operational risk. This text apply SoundPractices for the Management and Supervision of Operational Risk for basic theory, In thelight of systematic opinion, it thinks that enhancing inner-controlled systemdevelopments and initiating the healthy credit management culture are base to controlcredit operation risk.In various operational risk, the credit operational risk loses occupies thecomparison of various operational risk loss biggest. The performance of creditoperational risk is a deviation to carry out the regulation, but the really loss is morecredit risk loss. The credit operational risk is along with the whole process of thecredit management, each of the linking may produce to operation risk. The process ofthe credit management is an all levels that commercial bank establish variousoperations regulation according to the national laws, and the bank' s regulativeorganizes to put into practice with the employee. Firstly the credit operational riskconsists in the system risk and personnel's risk.Credit management process, according to the sequence of the business process,include the credit investigation, the credit examination and approval, the credit issuing,the credit management of credit issuing. The inquisition shows, from investigationand the empress period of credit management, loses occupy 60% above. This text alsoexpatiate the main contents of the credit management of credit issuing, includingcheck from the customer, business check, guarantee check and early-Warning signalwith handles, In order to create the standard of each link of operation.In this paper, the credit system is the basis of the credit management process;ithas the multiple functions to the other link in process risk. In the foundation that fulltext analyzes, it puts forward the basic model to calculate credit risk and operationalrisk. It is the preparation that inquiries into the internal contact of the creditoperational risk and the credit risk.