摘要
国外银行业和监管部门对操作风险的界定、分类、形成因素都有了较为全面的研究,并就谁来防范操作风险、如何防范操作风险以及为操作风险分配资本都进行了尝试或实施。这些国家的对策和经验,对于我们有相当的现实意义和借鉴意义。委托-代理理论在操作风险的成因及防范与控制等方面,为我国银行业提供了有针对性的风险控制理论的基础。
Big fraud cases have frequently happened in China's banks in recent years,which completely expose the lack of operating risk management and vulnerability of the domestic commercial banks.Currently,most foreign banks adopt an advanced operating risk management that will be gradually incorporated into the framework of comprehensive risk management system.The principal-agent issues theory supply a risk-guarding mathord which counters the frauds.
出处
《哈尔滨商业大学学报(社会科学版)》
2007年第5期61-65,共5页
Journal of Harbin University of Commerce:Social Science Edition
关键词
商业银行
操作风险
防范
commercial bank
operating risk
prevention
principal-agent issues theory