The Commercial Banks Of China Operating Risk Management Research

Management at the present stage of China’s commercial banks,mainly by the credit risk,market risk, operational risk three risk effect. At present our country commercial bank in the construction of risk management system, there are often heavy credit risk and market risk,operation risk problem of light. The healthy development of the operational risk has long been plagued by the banking industry, operational risk cases occur each year in China’s commercial banking system will have a negative impact on the economy and reputation can not make up for the banking industry, especially in recent years, operational risk related tothe more serious cases occurred, for the commercial bank risk management ring the alarm.International financial theory and practice of the operation of commercial banks risk management research started soon, research on frequency rapid rise in the Basel Committee in 2004 after the introduction of "new capital agreement". "New capital agreement" will be the operational risk of commercial bank into bank capital accountingscope, and clearly list the specific definition of operational risk, with the classification of specific content, effectively promote the national regulatory authorities and the vast majority of commercial bank risk management system consummation, especially to promote the prevention of operational risk management.In 2012, Chinese banking supervision and management committee "commercial bank capital management approach(Trial)" formally implemented, commercial banks are facinggreat challenges to the comprehensive risk management transformation. The Commercial Bank of our country is still at the primary stage in the study of prevention and managementof operational risk, the management level is relatively low, but also has not formed the perfect system of operational risk management structure. Combined with the internal control mechanism is not perfect, the distance of the CBRC comprehensive riskmanagement requirements and advanced foreign banks management level there is still a wide gap, unable to meet the urgent requirement of commercial banks for the prevention and management of operational risk. Therefore, further strengthen the study of prevention and management of operational risk in Chinese commercial bank industry imminent.There have five parts compose this paper, the first is the introduction of the paperintroduces the background, researching significance, theoretical significance,research methods, research framework and possible innovations etc.. The second chapteris the summary of the theory of operational risk, this paper reviews the research oncommercial bank operational risk management. The third chapter is the present stageabout measurement method on the operational risk of commercial banks, discusses the main variety of methods, including the basic index method, standard method, advanced measurement approach, income analysis method. The fourth chapter introduces the current situation of China’s commercial banks operating risk management through theanalysis of macro analysis and case. The fifth chapter is the main reasons for theoperational risk in China in the fourth chapter, analysis and formulate correspondingcountermeasures and suggestions.The innovation point of this article is mainly reflected in the research perspective. Domestic scholars in the study of operational risk of commercial bank, most are from the perspective of external supervision and other peripheral research. This paper is mainly on the internal control, case analysis and other factors focus on the relevant research of risk management to prevent operation, and puts forward some feasible countermeasures.