A Study On Operational Risk Management Of The Bank Of Xx

In the surrounding of fiercer competition, more and more commercial banks gradually manifest the importance of risk management. They are keeping finding risk management method which fits them, to raise the stronger risk-resisting ability, risk monitoring ability and risk reducing ability. Compared with credit risk and market risk, operational risk is the directest and most common risk in the operating activity of commercial banks. Certainly, operational risk management has become an important standard of appraise a bank’s management.On the base of summarizing the theory of operational risk and operational risk management, the paper chooses the bank of××as a participant, discuss the present operational risk situation and problems of the bank of××. It finds that although the bank of××has build the risk management system, there are some problems, such as poor-attention on operational risk, slow management method and technology, and slow information system. The main reasons are imperfect internal risk management system. It is that the management framework is not sound, the inspirit system is not perfect, the management conscious is indifferent, staff proficiency should be improved, and information system is not perfect. To settle problem above, the paper puts forward some concrete measures to enhance operational risk management. They include to strengthen risk management framework, to enhance culture study of operational risk management, to build rational incentive and restraining mechanism, to perfect training system, and to enhance information system.Through applying operational risk management theory, and the present situation of the bank of××, the paper points the problems existing in the operational risk management and the reasons, then proposes the concrete measures. According to the three years’ data of the bank of××, the paper counts the2014capital values using basic indicator method and normal method, which has practical value.