Study On Operational Risk Management Of State-owned Commercial Bank

Operational risk, the oldest one has existed since commercial banks come into being, but it has been ignored for its concealment and little loss degree. From 80s of the last century, financial environment and technology are more and more complicated, operational risk is more and more marked because of increasing financial reform, especially the bankrupt of Balin Bank and Daiwa Bank for great loss in the 90s of twenty century make international banking pay more attention to operational risk on an unprecedented degree.In recent years, a series of great loss make supervision institutions begin to concern about operational risk and bring it into risk management. Basel new assets agreement even takes operational risk as focal point and the lowest supervision standard. Compared with international inter-banks, the operational risk of our state-owned banks has common and its own specific characteristics. The expression forms, reasons, management method and control means are different from oversea commercial banks. The four state-owned commercial banks of our country are the most main market parties. Stock renovation is a remarkable development, which will exert significant influence to operational risk management of state-owned banks. On one hand, frequently occurrence makes operation risks be the biggest risk that banks must face. On the other hand, the study on operational risk is at the elementary stage. So study on how to perfect operational risk management in stock renovation background is very practical.Adopting quantitative and qualitative analysis, and bringing many subjects into a state of balance, conclusions of the study are as follows:1. operational risk exists in our commercial banks and takes great loss.2. operational risk is mainly focus on commercial business and retail bank business.3. the highest frequency of operational risk often occurs in the branches. Internal and outside cheat, collusion and violation occur mostly in the branches, and financial corruptions occur mostly in the head bank.4.view from the type of operational risk, operational risk led by artificial factors is mostly frequent. 5.there is a certain connection between quantity, time of operational risk occurrence, scale and distribution of bank and banking institution, although it's not be determined by them. Current situation indicates that operational risk management of the state-owned commercial banks is insufficient as follows: imperfect operational risk management frame, unclear operational risk management strategy, deficient specific risk management department, lacking in risk management culture, deviation from operational risk understanding, imperfect operational risk management infrastructure, shortage of operational risk loss data, undeveloped management method, single management tools, low transparent degree, etc.. Use the experience of other countries for reference and analysis.situation of our state-owned commercial banks, to build up a set of complete operational risk management system, include understanding, evaluate, supervise, manage, report, protect and handle ways can control operational risk, reduce loss and ensure regular operation of bank. In the stock reform of state-owned commercial banks, to build up and perfect risk management is a top priority. We should further perfect corporation management structure, be clear about duty of the board and constitute added valuated, unified, standard and versatile professional routine, perfect management frame and institutions, strengthen internal control and supervision responsibility system, build up communication tunnels, further strengthen outside supervision, fully give play to social supervision and perfect information disclosure system.Facing the overall emergence of foreign capital banks, the state-owned banks deepen its reform and study on operational risk management, decrease the losses led by operational risk and build up a set of perfect operational management system has very significant theoretical and practical meaning to our commercial banks.