保险在商业银行操作风险管理中的应用研究

On the Application of Insurance to Commercial Bank's Risk Management

在我国商业银行操作风险管理中运用保险是一种管理创新。本文研究了保险在操作风险管理中的地位和作用,分析了运用保险的优越性以及存在的潜在问题,得出以下结论:一、保险是商业银行操作风险管理的有效工具之一;二、保险并不是完美的工具,操作风险管理中使用保险将面临多种潜在风险,管理者必须合理使用。本文最后一部分就我国商业银行在操作风险管理中运用保险的必要性进行了分析,并针对性地提出了建议。

The application of insurance to the commercial banks' risk management in China is an institutional innovation. The paper studies the effect of insurance in the operational risk management, and its advantage and possible problems in the management, and then logically draws the following conclusions: firstly, insurance is one of the effective and efficient tools in the operational risk management of the banks. Secondly, however, insurance is not a 'perfect hedging tool. Finally, some suggestions are given based on the analysis of current necessaries and possibilities of the application of insurance to the commercial banks operational risk management.