银行操作风险保险研究

The Study of Operational Risk Insurance

银行操作风险保险开阔了商业银行管理操作风险、调整银行资本充足率的视野,为分散和转移风险提供了新的技术。但银行操作风险保险目前在我国还是一个前沿性的课题,有待于我们在风险识别、量化和管理手段、工具、理念上进一步拓展。目前应立即着手建立损失数据库,为保险定价创造物质基础;然后再逐步拓展保险投保对象与保险范围。

After have discussed the functions of operational risk insurance and the insurability of operational risk, the authors analyses the entities＇ optimal decision in the trade of insurance using the international active banks＇ practices as a reference. Finally, the authors argue that a market operational risk insurance be set up in China.