商业银行操作风险管理与监管研究

On Management and Regulation of Operational Risk of Commercial Bank

当前,操作风险已成为银行损失的重要源头之一,国际银行业正在积极研究加强和完善操作风险管理和监管的方法。本文在定性分析操作风险的基础上,概括性地回顾了国际银行业在操作风险管理制度、监管手段和方式等方面的探索,分析了我国银行业操作风险管理与监管中存在的突出问题,并从培育风险管理文化、健全监管制度框架、完善公司治理结构和内部控制、加大风险管理工具开发和创造良好的外部环境等方面提出对策和建议。

Current The international bank ment and regulation of y, operational risk has become one of the most important sources of bank＇s losses. ng sector is positively seeking the approach to enhance and complete the manage- operational risk. Based on the qualitative analysis of operational risk, this article generally reviews the exploration of regulatory framework, regulatory instrument and manner of operational risk by the international banking sector. It analyzes the problems in the management and regulation of operational risk in china banking, and addresses the counter-measures and suggestion from aspects of cultivating risk management culture, completing regulatory framework, improving corporate governance structure and internal control, enhancing the development of risk management instrument, creating favora- ble external environment and so on.