The Research In Operational Risk Of Our Commercial Bank

New Basel Accord, issued by Basel Committee on June 26t", 2004, which brought operational risk into the framework of capital adequacy ratio.On March 7, 2005, for the problem that banks can't realize the operational risks and be fit for the developing operations, China Banking Regulatory Commission issued"Notice About enhancing the work of operational Risk"It is the first time to regard the operational risk as one of the most important risks banks face. On June 1, 2007, using world successful experience of supervising for reference, conscientiously combining our country's actual foundation, China Banking Regulatory Commission advanced in a more cost-effective manner and grant relevant systems of classifying etc. of five grades loan, make and release " the risk management of market of commercial bank guide ", in order to strengthen the supervision of the risk of organization's market of the banking. Because of operational risks with the commercial bank of our country take place frequently in recent years, the management on operational risk entered people's visual field, so more and more attentions are focus on it. Till now, the definition of operating risk management has not been unified yet. Combine of our country actual conditions of commercial bank, study risk of operating, define, measure operational risk, and then put forward the countermeasure of operational risk management. This will play an important role in the stability of the whole banking.Though the supervision department of our country shows clearly that postpones several years to carry out the new agreement, it was launched around the new Basel Accord that the domestic scholar operated the research of the risk to the commercial bank in recent years, but because considering the particularity of the commercial bank of China, paying attention to the suggestion of the construction aspect of the system even more, and neglected the suggestion that put forward to the new agreement progressively of metering method. But I think that it is a thing sooner or later to carry out the new agreement, we should be according to every requirement for the new agreement, dissect the metering method thoroughly, implement progressively, take particularity of the bank of our country into consideration, and it is the effectual method.The study is finished under such a background. It is mainly divided into five parts:The first part is preface and retrospect, it is mainly explaining for the background of research. In recent years, because the finance controls relaxing, business globalization, finance innovative paces accelerating and swift and violent development of the information technology, the operation risk of the commercial bank has the tendency to increase. The relevant persons in charge of China Banking Regulatory Commission point out, at present, the commercial bank of our country manages and exposes the risk of operating in the course constantly, require objectively that strengthens supervision from structure and practice. Chinese Bank Supervisory Committee issues " the commercial bank will operate risk management and guide " in June of 2007, this to continue, issue " commercial bank market risk management guide " and after " commercial bank shut risk management of the rule guide ", another important risk management that China Banking Regulatory Commission guides.The second part is aimed to provide a systematic operational risk management framework to Chinese commercial banks. On the basis of 259 operational risk cases from Chinese commercial banks, this paper first analyzes the conditions of operational risk management in China, and then it discusses how to improve the management level in light of the approaches in Basel II, the current overseas experiences and Chinese conditions. As a whole, Chinese commercial banks should improve their operational risk culture, internal control, operational risk management structure and methods, and technique so as to build a sound operational risk management system..The third part is about the operational risks in Chinese commercial banks. It is urged for Chinese commercial banks to strengthen their abilities to control operational risk. So there is a need for us to analyze the characteristics and the sources of operational risk. According to some statistics, operational risk in Chinese commercial banks is unpredictable and the factor of people counts a lot. Chinese commercial banks have plenty of weakness on control operational risk. Thus the author made a further analysis about operational risk from various aspects.Part four mainly talks about operation risk of recommending the new agreement and stipulating especially measures key step and procedure that the method and risk of commercial bank of our country quantize. The method of measuring that the new agreement defines, the internationally agreed measurement criterion after will become. And might not be suitable for having the ability to adopt all metering methods in other words because of the particularity of the commercial bank of our country. So, we will choose the present effectual metering method to be a key. Through the understanding of various metering methods, find out each stage in our country and measure the method applicably. Combine the particularity of the bank of our country, through analyzing, remedy the conditions lacked of launching the advanced metering method, for example pay attention to setting-up and sharing of the database, in order to carry out the new agreement finally, operate the risk, make good preparations for operating the stick precaution of the risk to do well by better quantization.The last part is how to reinforce commercial banks operating risk management. On the basis of definition reinforce commercial banks operating risk management. Commercial banks should of operating risk in Chapter One, the writer emphasize collect data, prepare enough human resources, chose certain former. And secondly the writer thinks the banks should improve internal control level. Through establishing reasonable management system and internal audit system etc. to reinforce operating risk management. Thirdly, establishing a consummate operating risk management circumstance and forming a good operating risk management culture are also very important. The writer thinks the top management team of bank should use some effective measures to control the operating suggestion risk and do it as a model. At last, according to Basel Committee's to treat insurance as a technology to lessen risk, the writer think using insurance to prevent risk is an important means.