Research On Measure Method And Cause Of The Formation Of Chinese Commercial Bank’s Operational Risk

As one of the three major risks for measuring commercial banks’minimum capital requirement, operational risk is particularly important. The impact of operational risk on the banking sector is growing, the situation is very grim. Banking operational risk events occur frequently, which were reflecting the serious shortage of commercial banking organization in risk control and application of knowledge, as well as the ability to effectively control risk, and the country’s commercial banks are not fully equipped or lack of response and capability of operational risk management. China’s commercial banks need to careful pondering, to consider how to improve our operational risk prevention system, improve risk control ability to develop high-quality management and competent operational risk identification, assessment, measurement, control and effective reporting.Firstly,the thesis introduces the definition,categories and characteristics of bank’s operational risk; then it shows the current situation and causes of China’s commercial bank’s operational risk through the case of Qilu Bank; followingly, the thesis makes a comparison to some methods of measuring operational risk and study whether these methods are suitable in the real world taking ICBC as example;finally, the author combined the findings of previous scholars put forward China’s commercial banks operational risk control and management suggestions and countermeasures. In order to effectively improve the soundness of banks’ business, the research of operational risk has good theoretical and practical applications.