The Study Of Operational Risk Of Commercial Bank

With the development of financial service innovation and financial derivative instrument.Financial industry represented by bank has developed rapidly.With the rapid development of bank,the risk that bank faces appears,including market risk,reputation risk and operation risk.Because of short time and rapid development,now commercial bank now pays attention to reputation risk and market risk but ignores operation risk,which leads to the situation that operation risk appears frequently.The thesis studies commercial bank operation risk.It studies commercial bank operation risk in order to avoid operation risk.On the basis of analysis of a commercial bank operation risk,the thesis provide specific measures to avoid operation risk.First,on the basis of introduction the definition of operation risk,the thesis classifies operation risk based on the difference of operation risk and operation type.It gives three operation risk calculation methods and compare the advantage and disadvantage of different methods.Then the thesis qualitatively researches operation risk that china bank faces.After collect data,basis indicator method and standard method are applied to calculate operation risk that several commercial banks face,meanwhile calculation results are compared.Lastly,on the basis of qualitative analysis and quantitative analysis,the thesis gives corrective actions for commercial bank to reduce operation risk.The studies of the thesis shows that commercial bank operation risk can not ignore although commercial bank operation risk only occupy a low percent in whole risk.Because that operation risk percent in small and middle size commercial bank is a little big.Commercial bank should take a series of measures to reduce operation risk probability of occurrence to promote the development.