| As the core of economic activities, banking industry's security and stabilization is critical for economy. Since 1990s, scales of banks have enlarged rapidly, and the operation complexity has reached a now level. As a result, banks face more and more operational risk, which leads a series of striking failures in operational risk. How to evade operational risks and make loss minimum, become a hot topic of finance. So, in 2004, Basel Committee released "New Basel Accord", which takes operational risk into the framework of management, and puts forward the new requirement on measurement and management of international bank operational risk.In China, the weak awareness of operational risk of practitioner in bank, behindhand methods of risk management, as well as the lack to experience have led so many occurrences of case caused by operational risk, which make China so much economy loss and furthermore affect both social image of bank and the normal social order. As a result, how to take a correct attitude to operational risk and to establish an operational risk management system based on advanced management experience and lessons from failure to improve the operational risk management, become a problem, which should be solved as soon as possible.In this dissertation, the author first expatiates on the connotation of operational risk of commercial banks, its classification and characteristics. Secondly, the paper further analyses the general institutional arrangement of State Owned Banks and several key institutions, and disclosed the roles of giving birth to, conniving and reinforcing played by property right arrangement, internal control institutions and personnel system are the practical reason for high operational risks experienced by the State Owned Banks. At last, considering our situation, countermeasures are put forward from the aspects of framework, risk capital management, retained risk management of operational risk management. |
