Operational Risk Of China’s Commercial Banks Based On Income Model Measurement And Management Studies

Our country commercial bank risk management shortcomings and loopholes,many scholars to study its measurement and management,but with the rapid development of technology,its penetration in commercial bank business is involved in all aspects,which led to a new operating risk,operation risk forms gradually turned to rely on the criminal science and technology,the risk case loss value is at a record high.Therefore,in view of the new forms and characteristics of operational risk,the management focus of operational risk has changed.In the context of fintech,the measurement and management of operational risk deserves further study.Based on the review of relevant research on operational risk domestic and overseas,this paper analyzes the current situation,characteristics and problems in the management of operational risk of commercial banks in China,especially the manifestations and characteristics of new operational risk under the background of financial technology through the comparison of relevant theories and measurement methods of operational risk.In the empirical study,this paper selected the data of 13 commercial banks from 2009 to 2019,used the income model to measure the operational risk,and selected the proportion of non-interest income as the fintech index for research and analysis.According to the size and kind of 13 commercial Banks are divided into three kinds of grouping metric,draw a joint-stock commercial bank operation risk relative value is greater,operation risk control in China still needs to improve,contrast with big banks,small and mediumsized banks is worse.Finally,suggestions on prevention and control technology,personnel management,internal audit system and other aspects of operational risk management of commercial banks are put forward to enrich the existing theories of operational risk,and provide reference for commercial banks to better manage operational risk in practice.