A Study On Operational Risk Management Of Chinese Commercial Bank

For financial institutions and commercial banks, operational risk is an important and lively issue in practical work. Especially at present, a series of incidents in domestic and foreign which take huge losses due to the operational risk of bank has gradually aroused attention in theory and practice. The relevant regulatory agencies will also be put on the agenda of operational risk management problems. In the "New Basel Capital Accord"(2004), the Basel Committee on Banking Supervision take operational risk as the third risk following market risk and credit risk, and have incorporated into the scope of capital supervision. In our country, because of operational risk management with respect to market risk and credit risk management is weak, the operational risk events occur frequently, and affected the normal operation of China’s banking industry seriously. So it has very important theoretical significance and practical significance for the research of operational risk management of bank.The main research contents of this paper: First of all, on the basis of research in theories and literatures of operational risk of bank get an in-depth analysis of the connotation and characteristics of operational risk of bank. Secondly, due to operational risk of commercial banks cannot do without the business operator, this paper take "people" as the main reason for the classification of operational risk, and get operational risk analysis of each type of character; Thirdly, based on the theory to analyze the diverse and complex causes of operational risk from two aspects of the system root and the root causes of human nature; In addition, on the basis of theoretical analysis, this paper makes an empirical analysis of the operational risk events from 2008 to 2014 in June, further verify the causes of operational risk in chinese commercial bank, and data show that the operational risk of bank is more from the human nature root level, and there is a certain relationship with the type and level of Chinese commercial bank, job level and position grade etc.; Finally, according to the causes of operational risk, to build a "tower" internal management system, strengthen internal control, putting forward the policy suggestion of external constraints.Through theoretical and empirical analysis, the study found that the characteristics of operational risk in chinese commercial bank: the type of diversity, differences in regional distribution, a huge amount of money. The root cause without the poor performance of system is more from the root causes of human nature. Therefore, through the "tower" management system of risk control is more effective.