Risk Identification And Management Of Commercial Banks Operating In China

In this paper, the 20th century,90 years have occurred in several major bank failures in the case as a prelude to the laws in accordance with people's knowledge of things to start a commercial bank operational risk research. This paper first describes the authority of the international banking organizations-Basel Committee's definition of operational risk, from their different perspectives have been classified, and reveals the characteristics of operational risk, restore the true face of operational risk. On this basis, the United States and Deutsche Bank, for example, for the international active banks in the advanced operational risk management theory and practice conducted in-depth analysis, and hope at the initial stage of China's banking operational risk management to provide a good model. Subsequently, the article discusses in detail the status of operational risk management in China and listed in China's banking sector to exist and the main issues need to be resolved, according to the author's opinions and awareness, focusing on the "wrong management philosophy" and "not a sound operation risk management framework "," imperfect regulation "and" management and control methods are backward, "has become a constraint level of our operational risk management factors. Finally, the article urgently needed for China's banking industry to solve the problem, indicating the author's views and recommendations:the Basel Committee should be based on the proposed regulatory framework, drawing on the advanced experience of international active banks, starting from the establishment of a sound organizational structure to strengthen the system construction improve the internal control system, using high-tech means such as measures to improve risk management of China's banking operations to form a good risk management culture, to build a scientific and standardized operational risk prevention system.