Chinese Commercial Banks' Operational Risk Management

Throughout The history of commercial banks around the world,there has been a frequent occurrence in recent years because of the lack of control over operational risk.Operational risk events not only cause damage to social wealth,but also affect the harmony and stability of the whole nation.Look at the current situation of the development of China's banking industry,operational risk events continues to happen,some events even have risen to national law cannot tolerate and the severity of the loss amount is also rising year by year.Compared with the developed countries in the world,Chinese commercial banks' operational risk management still have a lot of defects,the understanding of operational risk and the management ability both need further improvement.Combined with the actual business of commercial banks in China,this thesis mainly studies the methods of operational risk management.The thesis includes four chapters.Chapter 1 is the introduction,which elaborates the selected topic background and significance,and summarizes the research of operational risk management at home and abroad.Chapter 2 provides a theoretical overview of the basic theory of operational risk and some concepts of operational risk management.Chapter 3,the core of this thesis,discusses the method of operational risk management in the case of D bank Tianjin branch's practices.In addition to using loss data collection,key risk indicators and the risk and control self assessment,three key tools of operational risk management,this bank also combined with related internal control and appraisal system to control the working performance.At the same time,in order to ensure the operational risk management work smoothly,this bank tried to form a favorable cultural environment of risk management.Finally,through summarizing the existing shortcomings in practices,Chapter 4 further puts forward the follow-up improvement strategy,to constantly improve Chinese commercial banks' operational risk management and control.