The Research & Management On Operational Risk At The Basic Level Bank In CCB

Unceasingly emerged along with the bank operational risk loss event, loses have already been to pay attention to by the banking circles, the operational risk also becomes one of the three risks which the banking industry are needed to manage. But in the modern commercial bank's management, entrusts with the operational risk management explicit value orientation, between the explicit operational risk and the bank cost, the income and the shareholder value relations already are an urgent matter. Diligently is becoming the international modern commercial bank, the China Construction Bank, not to be exceptional, and diligently will be operating the risk the management to penetrate into each service quoin. But, the operational risk is inducted in the recent years. Has heavy responsibilities duty very heavy, the path is very far. Therefore to operational risk, specially its management research at the basic level in CCB has the reality instruction significance.This article is for the purpose of exploring the basic level in CCB 's operational risk the production reason, the management measure, achieves to the basic level in CCB practice instruction. This article first comes up from the theory of understanding operational risk's scope and type, and proposes the economical capital according to the idea which the operational risk non-anticipated loss arranges to embark, understands the operational risk the quantification management, then carries on the analysis to the basic level in CCB line of operational risk management present situation, from the understanding elaborated the basic level CCB operational risk produces the reason, the analysis operational risk produces each kind of factor, points out the question which to existence in the present basic level in CCB about operational risk management. The definition and the classified standard using in the Basel committee are carried on the preliminary classification and the measurement to the operational risk in CCB, and proposed the basic level in CCB operational risk root government, further consummates and the utilization operational risk management measure, simultaneously puts forward the corresponding proposal and the tentative plan. Finally, in the fundamental research foundation, the article take the China Construction Bank XX branch as the example, specifically has analyzed the operational risk and its management which it faces, proposed in view of the China Construction Bank basic unit line of operational risk management concrete measure and the suggestion, enables the management measure which proposed to land on feet.Among the innovations and features, one at the full understanding of operational risk definition, classification on the basis of basic level banking institutions operational risk management causes a new view that the bank mainly internal reasons, prominent processes, human factors, the analysis has refused to implement major drawback is power; Second is the design of the operational aspects of operational risk and judgment forms to simplify the practice of operational risk defined with the identification, operator exposure, one could facilitate the development of targeted operational risk management measures. Third, through the data extraction, analysis, and risk assessment steps in data collection and risk management, qualitative analysis and quantitative analysis of organic integration, through examples of the operational risk management measures in a down practice enhance risk management targeted.Had already pointed out in the article's conclusion in the current basic level in China Construction Bank the risk management key and measure, simultaneously also proposed this article studies on because the operational risk loss event counts the database to be unable limitedly further the thorough research deficiency, as well as later diligently direction.