The Study On The Operational Risk And Measurements Of Commercial Banks

The financial industry plays a very important role in the process of economic development. It is an indispensable part of the modern economy. The whole situation of the financial system determines a country’s economic development level. Financial development and economic growth promote each other to achieve long-term economic development. At the same time, lax regulatory environment promoted the prosperity of financial industry. With the rapid advancement of economic globalization, the operational risks of the commercial banks have become increasingly prominent. The operational risk of the cases is increasing, and the amount involved is bigger. At present, banking operational risk has become a major problem which banks need to solve.In this paper, it discusses the operational risk definition, characteristics, classification and so on. Through the internal and external fraud case analysis of the operation risks in Chinese commercial banks, it draws the incentives of China’s commercial banks operating risk. Finally, it puts forward the coping strategies from the aspects of external supervision and internal control based on the analysis and related research. From the external supervision. Chinese CBRC as institutional risk supervision of commercial bank should transform the ideas of supervision; construct new young supervision team to improve the present situation. From the bank’s internal control, should improve corporate governance, perfect the risk system, strengthen the compliance education, and create good culture of compliance to change the rigid mode of thinking and working way. It should optimize the process of system, grasp the system execution, and carry out the employee behavior investigation to strengthen the dynamic management. It can establish the discipline inspection and supervision commissioner system, strengthen the supervision on the base, strengthen the minor violations integral management, and improve staff awareness of compliance, so as to achieve the purpose of preventing operational risk.