Innovative Research For People-based Operational Risk In Commercial Bank

Since it come into existence, bank struck up with the risk. Whether the collapse of Barings Bank, or the Societe Generale's huge losses, are all related to how to keep up the personnel based operational risk on commercial banks. Compared to overseas, few domestic studies on such risks. However, this does not mean that it is not important. On the contrary, we believe that the operation of banking business is inseparable from who for personnel-based operational risk prevention mechanism of great significance. Because it enables us to better understand this type of risk for the bank, and improve the relevant idea of the preventive mechanism of reference.Business operations with the bank the relevant personnel, including internal staff and customers. From these two aspects of this proceeding to explore the type of personnel it may lead to operational risk. For research needs, first of all operational risk types of personnel to be defined, and then in the framework of principal-agent theory to reveal the sources of risk, thus summed up the risks with the character.The use of principal-agent theory, the author-depth analysis of bank staff in the prevention of risk-based measures taken, and its evaluation, noting that its staff to enhance efficiency in stimulating the positive role played by, and these measures may bring about inefficiencies, etc. a negative impact on the bank to conduct a comprehensive analysis of risk prevention measures. Then, in order to non-performing loan ratio and profitability as an indicator to study the effect of bank risk prevention mechanism.To enable readers to have a more intuitive impression, this paper finally takes ICBC's branch—bank in Yueyang as an example, to explore its internal staff and customers in the prevention of operational risk with regard to the measures taken and fruit effect. This study, an attempt to offer reference ideas for prevent commercial banks'people-based operational risk.