Analysis On Operaional Risk In The Businese Of "JiaZhuangYi" Of China Merchants Bank

Operational Risk, which is defined by the Basel Committee in the way of the loss caused by the imperfect control, system factor, or the exterior event. Operational Risk, Credit Risk, Market Risk are the major Risk that the Financial Organ should face to. Compare to the Credit Risk, Market Risk which have fledged quantification technology, the study on Operational Risk is only in these years, is in rapid stage.Popularly believed,that in china where the Operational Risk is only studied in these years, that the study on definition is more important than on quantity, so it is very important to study the Manage Model of Operational Risk, In the paper, firstly we analyze the connotation of Operational Risk, expound the harm and Characteristic. Then, we discuss the Manage Model of Operational Risk.We take the business of"JiaZhuangYi"of China merchants Bank for instance, adopt the way of the date and analysis, statistics a lot of instances, assay the Operational Risk in the Manage Model of Operational Risk. We found that,the mass of Operational Risk is caused by deficient system and management. So, reinforce the management of the business of"JiaZhuangYi"is so important to avoid the Operational Risk.Finally, compare to the mortgage of personal house and car, base on the Manage Model of Operational Risk, expound a new Flow of operation of Fitment budget plan. We can see,that the Operational Risk is less on the new flow. We can see through conclusion, that it is very necessary to bring down Operational Risk by the way of the Manage Model of Operational Risk.