Operational Risk Management Of Commercial Banks In China

Since the20th century, operational risk events occurred frequently in international commercial banks. Meanwhile, the occurrence of these operational risk events often caused big losses to the corresponding banks. In2004, the operational risk was classified into the capital regulatory system by "the new Basel Capital Accord" formally. At the same time, commercial banks of different countries bring operational risk management into their own risk management range. The study of operational risk includes concept definition, risk measurement and risk management, in which risk measurement and risk management are the research emphasis of recent years.Based on the development trend of operational risk management, the article gives a definition which fits domestic commercial banks, and then finds the feature from the cases happened in recent years. Through the study of the existing operational risk measurement model, combined with the presence of China’s operational risk, finally find the appropriate operational risk measurement method of our commercial banks, revenue model. Through the analysis of concrete condition and based on setting indexes which influence the revenue, the article uses the panel data model to analyze the specific circumstances of state-owned commercial banks and joint-stock commercial banks respectively. At last, put forward corrective measures based on the four aspects:basic environment, infrastructure, management process and strategy.