商业银行操作风险保险--保险发展新领域

A New Field for Insurance Development: Commercial Bank Operational Risk Insurance

商业银行操作风险越来越被巴塞尔银行监管委员会、各国金融监管部门以及各大国际性银行高度关注,成为继信用风险和市场风险后的第三大银行风险。商业银行操作风险保险作为缓释和转移操作风险的有效工具,已得到银行业界认可。我国现有操作风险保险远远不能适应商业银行操作风险保险的要求,准确量化操作风险,组织建立操作风险损失数据库十分必要。保险公司应加强与商业银行的合作与联系,了解商业银行操作风险的特点,设计出更多更好的操作风险保险产品,为商业银行提供规避风险的途径,也为自己培育良好市场前景。

Commercial bank operational risk has increasingly gained high attention by Basel Banking Regulatory Committee, Financial Regulatory Bodies in various countries and internationally active banks, and has become the third banking risk in addition to credit risk and market risk. As an effective instrument for mitigating and transferring of operational risk, commercial bank operational risk insurance has been recognized in banking community. At present, commercial bank operational risk insurance in China is far beyond the requirements of operational risk for commercial banks. Therefore, it＇ s necessary to accurately measure operational risks and to organize operational risk loss database. It＇ s also necessary for insurance companies to intensify cooperation with commercial banks, to have a good understanding of the features of operational risks, to design more and better operational risk insurance products so as to offer commercial banks with means for hedging risks and foster a better market future for themselves as well.