Major Operating Risk Of State-owned Agricultural Bank Of China And Relative Precautions

In recent years, due to the influence of economic globalization, financial integration and other factors,world financial market developed greatly and fluctuated dramatically.Banking operation risks were divided into the credit risk,the market risk and the operational risk in the new Basel Capital Accord. Banks are faced to the serious operational risks.Nowadays,with the deepening of various reforms each state--- owned commercial bank in China has made some achievement in the control of credit risk and market risks, but the operational risk management of commercial bank in China still remained a initial stage.Operational risk is one of the main risk resources, and the proportion to the risk of commercial banks is far larger than that of international level. It makes the research of measurement and management of operational risk important in China.Owing to old system, Agricultural Bank of China has most institutions and great excessive clerks. But,its management is weaksest and its efficiency is lowest. So,study on the operational risk management in Agricultural Bank of China has realistic positive significance.The article begins with the current risk burden and the main violence aspects to regulations done by commercial banks. In 2nd chapter, we explain once more the concept of operational risk management,and offer three metrics models.In 3rd chapter, we summarizes the developemental stratagem after analyses the inner and outer conditions of Agricultural Bank of China with SWOT analytical method. With the abundant demonstration of the operation risk and analyse in Agricultural Bank of china ,the paper suggests several effective measures to control risks, such as bringing risk control into the category of overall venture management, carrying out all—around reforms of joint stock system and organizational structure, strictly anhancing internal control, building a mode of operating risk and monitoring system by IT applications.