China's Commercial Banks Operating In The Risk Management Problems And Countermeasures To Explore

As a common risk with a long story ,operation risk always exists in financial sectors. But in commercial banking industry, both supervisors and bankers have not paid enough attention to operational risks . This neglect has led to severe loss. So then"the new Basel capital accord"was issued in 1999 on the very time, the situation has been somewhat improved. However, the China Banking Regulatory Commission declares explicitly that China will postpone the implementation of the new accord for several years, and this means the commercial banks of China need not distribute capital for operational risks. And what is concerned, lots of facts show that China's commercial banks, especially the four state-owned commercial banks are exposed to severe operational risks. By now, we have entered a climax of all kinds of operational risk incidents, e.g. The Bank Of China --"Gao Shan"Incident, The Construction Bank Of China–"Zhang Enzhao"Incident and so on . Then the measurement and management of operational risks have now become the focus of concern for bankers and supervisors. But with lots of regulations , why can not stop this?The research of dissertation is conducted against such a background and consists of five parts.The first part is the introduction and the retrospect of the paper of relevant topic. It mainly outlines the background of this research. The second part clarifies the intension of operational risks. It is mainly based on the current practice of the Chinese state-owned banks and expatiates the concept, characteristics, classification of operational risks, and the measuring methods of operating risks. The third part is about the current situation of China's commercial banks'operational risks management. Operational risks takes a vast scale in commercial banks risk management in China. So it is pressing to reinforce operating risk control. Then we analyze operating risk's actualities and origins with the facts. The fouth part is about the new lessons of operational risks management of international commercial banks. We can learn from them and improve our operational risks management. The last part is how to reinforce commercial banks operating risk management, we propose several ways to deal with it and especially emphasize the importance of the establishment of operational risks management culture.In a word, this dissertation is a fundamental study of operational risks. The emphasis is placed on institutional reasoning of operational risks and solutions designing, with special attention paid to particularity of China.