The Research About Commercial Bank Operational Risk Management Of China

In recent years, the rapid development of the global financial sector, the financial control of the world to relax, focus on the development of financial derivatives, global financial integration, making the financial sector's increasingly complex and diverse activities, financial institutions are facing more risks. Among these risks, operational risks that As the deficiencies in the system of internal control deficienc ies, caused by internal and external fraud, the risk of serious to the global financial sector losses, the banks as the financial sector the most important and most active business, they suffer operational risks. World, the Basel Committee on banking supervision has three main risks include operational risk list, the international financial community has begun research to prevent operational risk management, and achieved rapid development, China as banks and financial system reform has just been completed, is still in the initial stage, the operational risk management research, there are still many deficiencies.Operational Risk Management from the present perspective, the Western mainstream scholars involved in the measurement models, but China has a special situation, economic and political system and has a qualitative difference between Western countries and therefore can not be completely in accordance with the results of Western research to operate, should be the Operational Risk Management of Commercial Banks, on our particular financial, against the background of the banking system, in combination with Western advanced operational risk management techniques, development of appropriate national conditions of China's commercial banks operational risk prevention mechanism.This paper is divided into five parts. The first part of introduction, that commercial bank operational risk management background and significance, introduced domestic and foreign scholars on the commercial bank operational risk management research, but also introduces the idea of writing this article, and innovation. The second part of the commercial banks, an overview of operational risk, operational risk described the definition, classification, characteristics and nature, and the"New Basel Capital Accord"on commercial bank operational risk requirements. The third part of the Commercial Bank of China the status and operational risk management issues, from several of China's major commercial banks, described the past two years, Chinese commercial banks in operational risk management efforts, and analysis of Chinese commercial banks in this area deficiencies. The forth part from the macro and micro perspective, analysis of the commercial bank risk management principles and causes, specifically from the new institutional economics, the people's assumptions, transaction cost, institutional change analysis of operational risk management of macroeconomic, microeconomic information is not from symmetry and principal-agent theory, analyzes Chinese commercial banks operational risk management. Part V of human resources management, internal control system, risk culture, external monitoring these areas, China's commercial banks in operational risk management recommendations.