The Research On Operational Risk Of Chinese Commercial Bank

At present, operational risk has become the most important risk of the risk management of commercial bank. Many international organization have discussed it and put forward their suggestion. But, our commercial banks started only in recent years. At present, our commercial banks are in the face of an operation risk baptism. a couple of serious finance cases, which brought great losing to the banking and affect bank's social image along with formal social order. So solve and control our commercial bank operation risk will influence our finance system reformation and finance security. There are practical meaning to perfece commercial bank operational risk management system as well as secure and normative finance circulation circumstances.Although, operational risk is a kind of burned risk of commercial banks, it is strange to all the Chinese commercial banks. For a long time, the knowledge, management and control is very limited. All those works are focus on traditional counter control, internal management, inter control, and so on.The aims of all these measures are insure the safety of payment and clearing funds.The thesis expatiate general theory of commercial bank operation risk ,define the concept and contents of operational risk, analyze the features of credit risk and market risk different from operational risk. from analysis the condition of operational risk and operational risk management condition ,analyze the reason of its birth. Based on the qualitative analysis of operational risk, this article generally reviews the exploration of regulatory framework, regulatory instrument and manner of operational risk by the international banking sector. It analyzes the problems in the management and regulation of operational risk in china banking and addresses the counter-measures and suggestion from aspects of cultivating, risk management culture, completing regulatory framework, improving corporate governance structure and internal control.