The Research On Security Evaluation System Of Operational Risk Of Chinese Commercial Banks

Banks exist with risks from the date of the produce; it gets profit from management risk.However, the greater risk the banks undertake, the more profits the banks gain. It’s a keyfactor whether the commercial banks could control risk validly under its own development.Risk management is a new long-term problem that Chinese commercial banks facing,especially in operation risk is more important.The purpose of this study is to reduce the high-risk factors of the operating risk andreduce the risks brought about by loss through constructing commercial Banks operation risksafety evaluation system. This paper selected the commercial Banks operating risk factors ofhigh risk factors, internal flow, the personnel system defect, external events four primaryindex and 15 level 2 judging indexes as the influence factors of operation risk. This paperaccording to a commercial bank of the analysis of actual case and questionnaire survey ofeach factors influence degree, and uses the analytic hierarchy process for the weight factorsassignment, then through the sheer level sorting and consistency checks the weight usingquantitative analysis matrix computation to obtain the result, and then sort through the generallevel and consistency check still uses matrix to quantify the result of the comparisonverification, validation after uses level and qualified again with the method of fuzzyevaluation method of quantitative data calculated results, and finally assesss the bank’soperation risk status according to the calculated results after quantification.By using analysis method of combining analytical hierarchy evaluation method and afuzzy evaluation method, we can conclude that the bank is overall in good condition. Butthere are still problems of the bank, among which operation error still is the most importantfactor.So for the bank it should continue to strengthen personnel control and standardizationoperational requirements in order to avoid operational risk for its own security operation.Through the comprehensive evaluation method of bank risk evaluation overalloperations can see that comprehensive evaluation method can be comprehensive, reflected inthe bank reality operation the risk in the hidden trouble, and can accurately predict the riskfactors, so comprehensive evaluation method applied in the assessment of the risks of bankingoperation and forecasting is science, and is worth extending.