China's Commercial Banks Operating Risk Prevention Research

Since the 1980s, along with the financial globalization, the integration, the liberalization, the innovation development, the global financial industry obtains high speed development at the same time also to enter a turbulent time, the international domestic banking industry has had the massive operation risk event. Because Our country Banking industry has with the overseas banking industry different development path, our country Commercial bank's operation risk presents many different characteristics. How in now under the background of the financial globalization, the liberalization and the innovation product emerges unceasingly, unifies our country Commercial bank's own characteristic to guard against the operation risk event's occurrence is the question which this article needs to solve. This article mainly take operates the risk theory and the request-proxy theory as the rationale, utilization research techniques and so on theoretical analysis, comparative analysis, case analysis and induction analysis, operates the risk event's origin through the construction gambling model analysis our country Commercial bank. Through the research analysis, to guards against our country Commercial bank's operation risk to put forward the related proposal.The article after the literature summarizes analyzed the present situation and the existence question of our country Commercial bank to operate the risk management, subsequently introduced the request-proxy theoretical analysis our country Commercial bank to operate the risk event's formation reason. In view of the fact that our country Commercial bank mostly for the general headquarters-branch-sub-branch-branch's request-agent's-like organizational structure, as well as between the bank and the employee, the bank and the depositor, the bank and the borrower has the request-proxy to relate, therefore, this article will entrust-the proxy theory to introduce our country Commercial bank to operate the risk management the category, relates from the bank interior and the exterior existence's each kind of request-proxy obtains, acts the bilateral benefit through the game theory model to the different request to carry on the analysis, from forms on the mechanism to discover our country Commercial bank to operate the risk event's origin. Finally the article consummates the operation risk management frame, the perfect bank from the establishment to control from the inside the system, the refinement bank staff to drive that the restraint system, the compression level and the Branch office, develop the bank professional manager market vigorously and strengthen the major-domo self building and so on six aspects to propose guards against our country Commercial bank to operate the risk and other aspect new policy suggestion.