The Research On Management Of Operational Risk And Empirical Analyses Of Commercial Banks

As we all know, since the birth of commercial Banks, operational risk is with its development.But in the early stages of its development, the international research institutions, supervision agencies and banks" managements haven't regarded the operational risk as a separate risk to research and manage.In recent years. with the extensive application of computer technology, the financial industry develops rapidly, the financial products are launched continuously, and the financial services become increasingly rich. We see the development of the financial industry, but we also witness the collapse of the Bahrain bank, the significant loss of Daiwa Bank and Bank Trust, four branch road illegal bill discounting in Waterloo Street Subbranch. $483 million theft in Kaiping Subbranch, etc.What makes the commercial banks a huge economic losses and brings a more serious reputation risk? The chief culprit is the operational risk.As a internationally recognized regulatory rule maker, the Basel committee constantly pay attention to the effects of operating risk on commercial banks, it separates operational risk as independent one to advocate enough capital for operation risk to withstand the loss of operational risk. To adapt to the change of the "international rules of the game",China Banking Regulatory Commission also actively promote the implementation of the New Capital Accord proposed by Basel.In the background of heavier regulation and the more attention of senior management, all levels of the commercial banks continuously strengthen the operational risk management,take various measures to reduce the operation risk.One of the most effective measures is using the three management tools of the operation risk to discover and management risk.This article analyzes from the application of three management tools of operational risk, discusses how to find the weakness of operational risk management in practice by using the tool, then analyzes the reasons of risk exposure, and gives advice on risk prevention. The first part of this paper describes the research background from the changes of international regulatory rules, international and domestic major operational risk events, and introduces the research purpose, significance and methods used in the analysis process.The second part introduces the relevant research on the operational risk management at home and abroad, including research and management methods of supervision, different studies have great inspiration to the author's views and ideas. The third part analyses the present situation of the operational risk management of commercial banks in China. The fourth part is the main part of this paper, taking the L Sub branch of industrial and Commercial Bank of China as an example, it carries out practical analysis of how to find the risk and analysis of risk. The fifth part, according to the risk analysis above, referring to the research at home and abroad, and combining with China's actual situation, puts forward suggestions for improvement.Although this article takes L branch of the ICBC as an example to carry out the empirical research,, this article's analysis has the universal significance because of the homogeneity characteristic of the operational risk.