Research On Operational Risk Management System Of Commercial Banks In China

Research on Operational Risk Management System of Commercial Banks in ChinaThe operational risk is explicitly recommended to be the third largest risk by Basel banking committee on supervision in the new capital accord, following market risk and credit risk, and brought into line with capital regulation. According new capital accord, banks should be treated as credit risk and market risk as the risk of the operation to maintain the appropriate minimum capital to prepare, to cope with the potential loss of operational risk. The requirements and attentions of operational risk is a major breakthrough of the new capital accord, comparing capital accord in 1988, which is increasingly focused on the international financial community in recent years operational risk management system is a reflection, but also comprehensive risk management and maintaining a stable banking system operational risk management point of view the new requirements.Understanding of operational risk and research has just begun in our country, a variety of operational risk management theory is not yet mature. Therefore, strengthening the research on operational risk management are of great importance to improve the level of risk management of commercial banks in China, healthy operation of financial sector and the stable development of the whole national economy.This paper summarizes the current situation of research and management of operational risk about the domestic and foreign commercial banks, combined with the relevant basic theories of risk management theory, control theory, new institutional economics theory and system theory, analysis the theoretical origin of operational risk of commercial bank, systematically builds the system of operational risk management, countermeasures and suggestions are put forward combined with the actual situation.The main contents include:(1)Analyzed theory root which the risk formed of the Commercial bank, combined with the essence and the characteristic of operational risk in the Commercial banks, analysis operational risk formation from theory and reality.(2)According to management system principles of design and management systematic characteristic, feasibility, validity, will organize, the internal control and the outside supervision three sub-system organic synthesis, constructed C the risk management system in our country.(3)Based on the constructs of operational risk system of Commercial bank, proposed the corresponding countermeasure and the suggestion from organization mechanism, internal control and exterior restraint.The constructs of the operational risk management system of commercial bank by this article, has a certain reality guiding sense to raise the level of the operational risk management of commercial bank in our country.