Research On Operational Risk Management Of China Commercial Bank

Presently, China’s lack of theoretical research on the operational risk of commercial banks, the application of measures and the institutional norms and so on,lags behind in credit risk and market risk. There’s no provision for mandatory operational risk insurance reserve, operational risk event database and according with the actual operational risk measurement model of domestic commercial banks.Meanwhile, with the rapid development of global finance, commercial banks are faced with the uncertainty of all kinds of external factors, such as innovation demands increase and operating requirements improve constantly. That improves the probability of exposure to operational risks. All the factors have prompted operational risk management becoming an important issue in the study of domestic commercial banks.This paper is divided into five chapters. The first chapter is the introduction, which introduces the background of the topic, the significance of the study and the current situation of the domestic and foreign experts on the operational risk management of commercial banks. It also briefly introduces the research methods, ideas, framework,innovation points and deficiencies of this paper. The second chapter is an overview of the operational risk management of commercial banks, which mainly expounds the concept, characteristics, types and influencing factors of the operational risk of commercial banks. Meanwhile, it descries the content, methods and significance on the operational risk management. The third chapter is about the status of operational risk management and case study from the A bank. Based on the case of A bank, this paper systematically expounds the related theory of commercial bank operational risk.According to the data of operational risk in recent years and the specific case, it points out the problem on the operational risk management of A bank, analyzing problem and solving problem. The fourth chapter is about the countermeasures to improve A bank’soperational risk management. This part is the focus of the full text, tries to propose measures in six major aspects, that is to improve the internal control system, to perfect the operational risk control framework, to pay attention to the improvement of external environment, to strengthen the cultivation of operational risk culture, to strengthen personnel management, to realize the information system management and process control. The fifth chapter is the conclusion and outlook, which summarizes the full text,and puts forward some prospects for the operational risk management of China commercial banks.