The Research On Operating Risk Of Chinese Commercial Bank And The Distribution Of Capital Fund

Operating risk is one of the oldest risks. Although it is not belong to the new problem, but it always appears in the new situation, all the bank's activities are concerned with the operating risk. Especially in recent years, with the rapid development of information technology, the bank's business scale and scope of business operation has been expanded, the risk of improper operation and internal control failure caused some serious damages.On June 26, 2004, the central-bank governors held meetings, agreed to International Convergence of Capital and Capital Measurement Standard, namely the new Framework of Capital adequacy, now called new Basel. One of the important characteristics of the agreement on the minimum capital requirements and external supervision and restraint of the three pillars of the market, the minimum capital requirements in the first pillar, puts forward the concept of operating risk, and credit risk and market risk,which constitute the measurement and regulatory framework of bank risks.At the same time, there are seventy-one risk events in domestic during 1990-2003, losses reaches 5.4 billion yuan. On March 26, 2005, the CBRC published notice about increasing risk prevention operation work, this notice proved operating risk is becoming an important challenge. How to carry out the effective operation of risk management has become an important topic in the financial field.This article measures operating risk of commercial bank through the most suitable data and empirical analysis model, and it uses the new way to explore in defensive operations of commercial Banks in China.