Empirical Research On Operational Risk Precaution In State-Owned Commercial Bank

As a large number of cases on operational risk have been exposed, operational risk has attracted increasing attention and proposed more test for state-owned commercial banks. With the increasingly competitive trends of banking industry, state-owned commercial banks are expected to make measures with purpose of effectively avoiding operational risk and reducing losses which play a significant role in improving competitiveness.The thesis elaborates the basic theory of operational risk. In the different perspectives, it explores the factors that lead to operational risk in state-owned commercial bank and analyzes status and problems of operational risk defense. Next, with factor analysis, the empiric study is made and appropriate measures on operational risk defense in state-owned banks are taken in different levels. What's more import, the cooperation of all measures in different stages and different levles should be attached more importance.The thesis is divided into six parts,Chapter 1: Introduction. The thesis starts from introduction of background, purpose, significance and literature review overseas and domestics. Next, it makes comments on the literature review. Last, it provides the thinking, methodology and innovation of the research.Chapter 2: Operational risk and a general analysis about operational risk produced factors. This chapter focuses on the definition and characteristics of operational risk and discusses a general factors on operational risk producing.Chapter 3: The status and problems of operational risk prevention in state-owned commercial bank. This chapter discusses the status about operational risk prevention of state-owned commercial bank in three aspects of internal control, system and technical and focuses on the problems.Chapter 4: Selection of index, data collection and samples.The main contents include selection of index, questionnaire design, data collection and statistics and analysis on survey data. These lay the foundation on the next empirical analysis.Chapter 5: The empirical study on operational risk prevention in state-owned commercial bank. With factor analysis, we can classify the indicators into four factors, and then calculate the scores and ranks. At the same time, we use item analysis, reliability testing to verify the availability of indicators, and apply the single factor analysis to analysis whether the factors will affect questionnaire scores. According to the empirical results, we can measure operational risk prevention of state-owned commercial banks.Chapter 6: The suggestions on operational risk prevention of state-owned commercial bank. The chapter proposes the measures to improve operational risk defense in state-owned commercial bank. The phased defense system against operational risk is expected to be established. With research of empiric study, appropriate measures are posed in the five aspects, including the system of defense, ability to guard, awareness, external constraint and model.