商业银行操作风险转移问题探讨

Operational Risk Transfer of Commercial Banks

操作风险管理是商业银行全面风险管理架构的重要组成部分。近年来,一些风险管理技能较成熟的银行已经开始通过保险产品等操作风险转移工具实施操作风险管理。虽然商业银行操作风险转移有各种动因,但实践中仍存在一些制约因素,特别是能否解决该过程中出现的问题,将影响到操作风险转移的有效性。

Operational risk management is a key component ,of integrated risk management as to commercial banks.In recent years, some banks with mature skills in risk management have begun to msnage operational ask through operational risk transfer instrument such as insttranee products. There are many factors driving operational risk transfer from commercial banks as well as obstacles in practice, Risk transfer progress may influence the effeetiveness of operational risk management.