The Research On The Operational Risk Of China's Commercial Banks

The operational risk is one of the three main risks which the banks face.In recent years, The serious loss in operational risk incidents attracts widely attention of the whole banking. Because the study on operational risk is late in our country and the management level is lagged, operational risk incidents happened frequently. So how to improve operational risk management level and prevent operational risk on the basis of improving operational risk measurement technique is the urgent task of our banking.Firstly, we expound the connotation, the characteristics of operational risk. According to the concrete manifestation we point out internal reason and outside reason to operational risk of banking, which indicates the importance of strengthening operational risk in banking. Then,we expounds all kinds of operational risk measurement and choose income model that is most fit for our banking. we take example for four banks on the market measuring operational risk . When comparing relative value of the four banks'operational risk coefficient of variation is brought in. By analyzing the comparing result linking to the managing conditions of the four banks,we demonstrate feasibility of income model. We put forward suggestions on how to prevent operational risk, such as strengthening external supervision, improving internal management.Banking is a risky industry. The management conditions of banking directly affect the stability of financial system and the society. Operational risk is a complex domain as well as a new problem, and there are many problems to resolve. By studying advanced operational risk measurement technique and management ideas, our banking can form correct operational risk management ideas, strengthening operationalrisk measurement consciousness, improving operational risk management level, then our banks can ran safely.