The Research On The Operational Risk Management Of China Commercial Banks

In recent years, frequently large financial cases warned us, the operational risk situation of domestic commercial banks is not optimistic, in view of the experience of risk management of internationally active banks, combination of business and management of our banking practices, response measures to be taken as soon as possible, become the most urgent task of our commercial banks. Operational risk management of domestic stays in the introduction to and exposition level, and focuses on Basle Committee on Banking Supervision, or researches foreign practice measure model, but the domestic banking sector lack of original research status, analyzing on how to solve the operational risk management of commercial banks is not thorough, nor propose effective solutions according to the actual situation of China commercial banks. So building a commercial bank system in line with our status of operational risk management has a high theoretical and practical significance.This thesis discussed commercial banks related to the concept of operational risk, The operation of various types of practice from a large number of cases collected described Commercial Bank of China the status of operational risk management, focused on analyzing the main problems of the operational risk management of X Bank. With the e-commerce and IT development, how to improve operational risk management framework, and how to introduce the leading issues of risk management techniques put forward personal views and prospecting of future management measures.The thesis can be divided into five parts:Firstly, introduction. It gives an introduction of the background and significance of research, and to review the related research on domestic and international literature, so develop a full program of specific research.Secondly, defined related commercial bank operational risk concepts. It introduces categories of operational risk according to BCBS, connect the situation of our country and business features of commercial bank, proposed to connect operational risk management processes with ERM.Thirdly, operational risk case study of commercial banks. It introduces the operational risk loss event data of X bank, summed up the characteristics of the operational risk, the conclusion is the status and problems of the operational risk management of X bank.Fourthly, X bank strengthen the operational risk management. It starts from actual risk management of X bank, a sound operational risk management framework, to upgrade the core banking system, improve risk warning mechanism, the establishment of operational risk management information system in three areas, to point out measures to improve and perfect the method.At last, conclusion and suggestion. It raises the main resolution by analyzing, and then point out inadequate parts. Through the X bank operation risk management experience, it can be popularized and promoted to other commercial banks, and put forward some specific suggestions, so look forward to operational risk management.This thesis takes the X bank as a case study, the use of theory and practice, data and charts, quantitative analysis and qualitative analysis and the combination of practice and case methods. The problem for operational risk management of bank of X, to make a ground-breaking exploration, in particular, how to design information systems with three dimensions of ERM, put forward detailed proposals. At last, put forward some specific suggestions to other commercial banks.