China's Commercial Banks Operational Risk Management Study

The risk management is an eternal topic in the commercial bank's developing process, but the research and strengthens to the operation risk management is only recent years matter ,and all these are being bringed into the bank's risk management practice. After 1990s, the world financial circles has been shocked by a series of cases arised from the operational risk, it brings great negative influence to the bank's steady management, the financial circles start to study the serious question of the operational risk management both in theory and practice, The operational risk proposed in a system concept indicates that the bank has set it in an important status as the credit risk and the market risk management; "Barthel New Capital Agreement" has bringed the operational risk into the unified frame of banking capital supervised and requested the bank disposit corresponding capital for the operational risk; China Banking Regulatory Commission's some notice pull open the new stage of operational risk's supervising and managing officially. At present, using the domestic and foreign existing research and practical achievement, Relating our country actual situation, strengthening the operation risk's management and research, are all important to enhance our management level and Strengthen the comprehensive risk management, to guard the bank's loses, to make the core competitive ability, to promotive the brand, and to make the finance industry and the national economy healthy.This article take the commercial bank's operational risk management as the main research object, the methods are used such as applying theory to reality, Qualitative analysis and quantitative analysis, Compare with studies and induces the deduction. The research has covered the content as the operational risk management general theory, Overseas bank's operation pattern, Our commercial bank's present situation, the existence question and the reason to form it. With the overseas advanced bank about the operation risk management theory and the practice technology, the author analyzes the present situation of our country commercial bank and points out our country commercial bank's understanding deviation and the management flaw, studies the realistic cause from the organization factor, carried out the factor, the personnel factor, the technical factor and exterior factor. In this foundation, the author propose some suggestions and point out the direction for further studies,in a word the research provides a certain reference function for the choice of the commercial bank's operational risk management pattern ,the main technical method utilization and the management frame establishment.