基层商业银行操作风险的防范控制与规避

Prevention and Avoidance on Operational Risks of Basic Commercial Banks

近年来,由于基层商业银行缺乏管理操作风险的有效组织架构和流程安排,导致操作风险管理职能缺失,由此而引发的损失和金融腐败现象呈上升趋势。为了防范基层商业银行的操作风险,应建立和完善有效的内部控制系统和持续性经营管理机制,强化基层商业银行风险控制的文化建设,从根本上减少操作风险发生的可能性。

Recently, lack of effective organization and arrangement for basic commercial banks lead to the lack of management function of operational risks and increase of loss and financial corruption. To prevent operational risks of basic commercial banks, we should improve effective internal control and sustained business management, strengthen cultural construction of risk control in basic commercial banks and decrease the possibility of operational risks.