The Regulation Of Operational Risks Of Shenzhen Commercial Banks

Modern commercial banks are facing various risks, and management of them is the key to their success. Therefore, risk regulation is the most key competitiveness of commercial banks. In Basel Ⅱ, risk of commercial banks is divided into three categories: credit risk classification, marketing risk and operational risk. Credit risk and market risk have been gained the attention of the commercial Banks for a long time, and a complete set of risk management concept and risk management mode had been formed, but the study and focus of operational risk are relatively backwards. In recent years, as the global economic integration speed up constantly, the operating scale and trading range of banks expanded, then issues concerning to the operation risk of commercial Banks become highlighted, so, the study of operation of risk regulation of commercial bank regulation is extremely urgent.Following the clue of theory summary, practical implications, analysis of the current situation, revealed problems and countermeasures research, this dissertation analyzed status and problems of commercial banks’operational risk regulatory of Shenzhen,and put forward the corresponding solutions, by way of literature research method, comparative analysis method, normative and empirical analysis and the combination of theory and practice method.) This dissertation begins with the definition and understanding of operational risk, and analysis of operational risk management research of domestic and foreign advanced research. Then combining the theory with the practice,and comparing foreign control with the domestic, via studying the foreign mature theory and advanced practice, based on the development of operational risk management in Chinese commercial banks and the actual situation, analyzing the problems and defects for commercial banks’operational risk management of Shenzhen,and putting forward the corresponding countermeasures and suggestions for reform of operational risk regulatory, mainly from the following four aspects:the first is to build a sound framework of operational risk regulatory; second is to realize the supervisionof regulators; again is to vigorously promote reform of the Shenzhen banking operational risk management system; the last is to strengthen information sharing and regulatory linkage with the Hong Kong Monetary Authority. By this reform, commercial banks will realize the goal of comprehensive Risk management of commercial bank and strengthen its comprehensive marketing competitiveness. The author hopes domestic commercial banks and their regulators to pay more attention to operational risk through this dissertation,. As well as promote the construction of supervision system and the progress of regulatory skills of operational risk. At the same time,the author puts forwards the solution of the present situation of domestic operational risk, so as to make efforts to improve banking supervision for our government.