| According to the New Basel Accord, risks faced by commercial banks can be classified as credit risk, market risk and operational risk. The studies and attentions on operational risk comparatively lag behind, while credit risk and market risk draw attention from commercial banks much earlier. With the development of commercial globalization and the expansion of banks, the operational management is getting more and more complicated. In the recent years, a series of operational loss events shock the international financial world. It indicates that the operational risks faced by commercial banks is getting ever more acute and who to management the operational risk efficiently becomes one of the hottest topic among financial professionals and theorists. With China's accession to WTO and the all-round opening up of banking sector in China, intensifying study and management of operational risk is extremely urgent.This thesis studies mainly on four aspects: first, it narrates the theory foundation of operational risk in commercial banks, provides the explanation, classification and feature of the risk and the principal measurement of operational risk provided by New Basel Accord, which includes Basic Indicator Approach,Standardized Approach and Advanced Internal-Rating Based Approach. It also introduces the organization structure, methods, tools and process of operational risk management. Second, it analyzes some misunderstandings on operational risk. On this basis, it describes the main problems and causes of operational risk management in China and analyzes the influencing factors of operational risk from four aspects, including personnel, process, system and external events. Thirds, on the basis of analyzing several typical cases and with the different features of influencing factors of operational risk, it designs relevant targets and models for the control of operational risk from four aspects, including personnel, process, system and external events. Last but not least, in view of the inefficiency of management experience on operational risk management, it uses the advanced experience of other countries for reference and gives the ways and advises of reducing the operational risk in commercial banks of China.It includes many literature studies and researches in this thesis and combines theory with personal practice, and mainly uses theory analysis, application research, on-site visit and cases analysis as study methods to argument and analyze. |
