The Research Of Operational Risk Management In China's Commercial Banks

Risk management is one of most important objective in the commercial bank management, also is one of the objective of bank with its own profits and losses of the preventive measures. With the financial control and financial world of complex, the bank of the various risk are changing.Before the 1990s, commercial Banks were concerned with credit risk and market risk this two major risk in both theory and practice field. And after the 1990s, especially after the barings bank event in the world, many commercial banks have suffered from bank profits potential losses because of the operation risks, which makes international financiers began to increase the attention of operating risk.The rising rate of the operation risk to the bank losses, which makes people begin to realize that the research field for risk itself was too narrow, we should make the operation risk into research scope.In the theory of the international operation risk research in the world, the new Basel capital accord "in promote banking risk consciousness and inductive innovation plays a important part in the field. The new Basel capital put forward this concept, and regard the operation risk as the third big risk after the credit risk and market risk.Although our commercial banks happen the risk incident frequently, but the risks of the operation of both in theory and practice are too poor to the level of the world,which also restrict our overall level of commercial banks.In this text,first we will introduce the the definition and classification of the operation of the risk, with the Basel concordat to find the classification of the risk, and combined with the state to determine the suitable for our business of banking operations risk categories;secondly,the text will show that china's state-owned commercial banks by the data and phenomena which faced with major operation risks, and then explore the reasons;thirdly,we will introduce the methods of relevant operations of the general risk and quantitative in our using of the disadvantages, and find a suitable method for our state-owned commercial banks measure model method and then make a series of research;finally,the text reached the conclusion of the paper is china's state-owned commercial banks to operate the risk of research results, and give some suggestions for our state-owned commercial banks of the risk management.