商业银行操作风险管理探析

Enquiry into Operational Risk Management of Commercial Bank

商业银行的操作风险普遍存在于各业务和管理领域,它具有不同于市场风险、信用风险的一些特有性质。操作风险管理的成效主要取决于商业银行公司治理和内部控制状况,主要管理手段有事前合规管理和事后稽核审查,人在操作风险管理中发挥关键的作用。风险规避、降低风险、风险转嫁、风险吸收是管理操作风险的基本策略,需根据操作风险的不同情况选择使用。

Operation risk of commercial bank commonly exists in various transactions and management field. It has some particular feature different from market risk and credit risk. The effect of operation risk is primarily dependent upon corporate governance and internal control. The main management means consist of pre - conditional compliance management and post - dealing auditing examination. Human will play a key role in operational risk manage- ment. Risk coverage, reducing risk, risk transmission, and risk absorption are the basic strategy for management of operational risk, which needs to be chosen according to different operational risks.