Research On Operational Risk Of Commercial Banks In China

Commercial Banks to monetary fund as the management object, its higher percentages of debt management, decided the commercial bank is a high-risk industries, Commercial bank's risk refers to commercial Banks in process of management and operating activities ,because of prior unforeseen uncertain factors, cause commercial bank's real earnings deviating from the expected benefits, so as to have suffered economic losses of possibility and get extra income opportunity. Long-term since, the western banking in commercial bank credit risk, market risk, liquidity risk have more thorough research, and formed a complete set of complete risk management concept and risk control mode, KPMG's global risk survey results indicate that: Credit risk and market risk, operating risks and other risks of venture capital required for the proportion of the total capital of, the past 55 percent, 35%, 5%, and 5%, now a 40% and 35%, 20%, and 5%, the future may become 30%, 25%, 40% and 5%.Since the 1980s, the western commercial Banks operating risk probability higher and higher. In 1995, the brilliant history with 233 years Britain barings bank in the financial derivatives due speculative failure and bankruptcy. And the Daiwa Bank will trade because no separate the front desk and raise, senior management personnel for commercial bank operation risk control and other reasons, slacker caused about 11 billion dollars in economic losses. The operating risk events are endlessly caused the banking world's great attention. Commercial Banks operating risk caused huge losses, makes western banking gradually realized that, along with the competition between commercial Banks growing more intense, scale economic benefit under the environment of diminishing, positive and effective commercial Banks operating risk control is one of the main ways to increase revenue. According to a 2004 European financial institutions, a survey of European financial institutions that 41% of the lower operating risk is commercial bank business major gains.Because of operation risk has become a commercial banking operation process of an important aspect of the inevitable, and the effective commercial Banks operating risk control difficulty huge, has become more and more difficult huge risk of commercial bank outstanding, so world banking and financial regulators to commercial Banks pay more attention to the operating risk. Although commercial bank operation risk has given the world banking brings huge economic losses, but still no bank built up a large commercial bank operation risk management control framework, used for the management and control of commercial bank operation risk tools is not very scientific, therefore, how to give full recognition and accurate measurement, ongoing oversight and effective control commercial Banks should become the world banking operation risk facing a new topic.This paper expatiates the connotation of commercial Banks operating risks,classification,features, and in the light of commercial Banks in China, analyzes the operating risk of several factors, chapter 3 detailed introduces the currently accepted several commercial Banks operating risk metric model and contrast analysis, the author selects suitable for our country commercial bank status of selection of measurement model, several listed Banks as the research object, and empirical research. Finally, according to the operational risk of commercial Banks in China, and combined with the causes of empirical analysis of the operational risks. Proposes strengthening our commercial bank risk control culture construction and internal employee risk awareness training, strengthen the database construction, improve the loss of China's commercial Banks measure level reasonable Suggestions. Banking operation situation of the stability of the entire financial system connected and the country's economic security, and commercial Banks operating risk management research is a complex area, but also a new topic, there are many problems need our in-depth research. We only by constantly master advanced commercial bank operation risk measure technology and learning advanced risk management idea, gradually perfect our country commercial bank operation risk management system, strengthen the commercial Banks operating risk awareness, so as to improve our country commercial bank operation risk management level, thus ensuring our country commercial bank with the international commercial bank's fierce competition.