A Study Of Operational Risk Management In Commercial Bank

The risk management is the one of important contents in the financial organazation management and operations, also is the question which the present finance fundamental research must face positively. In recent years, a series events in domestic and foreign causes the commercial bank heavy losses. That caused the people inormous attention of the operational risk. The operational risk becomes one of the three big risks which the commericial bank faces. Financial service control relaxation and globalization, adds financial technology changing with each new day, is making the uncertainty which the commercial bank manages to increase day by day. The practice indicated, the banking industry outside the credit, the interest rate and the market risk that is noticeable. Because of this, at present the operational risk of domestic banking industry dos not yet have comprehensive and systematic understanding, whick restricted the operational risk management practice. Our country Banking industry and the international banking industry has the big disparity regardless of the operational risk management idea or the management method of the operational risk.This paper introduce the case of operational risk at first, and defined its cocept, analyzes its characteristic. Then this paper discussed the question in the work of operational management of our commercial bank at present stage, and puts forward the proposal of the operational risk manament. Next this paper explores the main measuring methods and their applicability to calculate operational risk , facing seriously loss day by day. Then it analyzed the necessities that our country commercial bank to carry out the study of operational risk and data collection and so on. This article has studied the Barthel agreement about the operational risk frame designed. In view of our Commercial bank's actual condition take the Barthel agreement as a foundation, unifies on the international advanced operational risk management method, constructed has suited Our country Commercial bank to operate the risk management the construction. Finally this paper proposed the corresponding measure and suggestion about how to strengthened the management of operational risk with the actual situation of our country banking industry.