摘要
操作风险近年来对金融业频频造成巨大冲击,但传统理论对此类风险并无系统论述,也无专门的操作风险化解技术予以解决。操作风险在当前成为金融业,特别是大型金融机构、金融集团所面临的重大风险因素,是因为在混业经营的大背景下,各个金融子行业之间经营文化未能有效融合所致。化解操作风险的直接手段在于加强内控机制,但其根本途径在于整合金融机构的经营文化,使之统一到安全、流动和盈利性统一的原则之下。
In recent years, operation risk frequently causes enormous impact in financial industry. There are not only no systemic descriptions on such kind of risk in traditional theories, but also no special technique to resolve it yet. Talking about why the operational risk is currently up to the major risk factor in the finance field, especially in the large financial institutions and groups, it explains it by the reason that business culture among various financial sub-industries failed to effectively integrate under the background of mixed operation, and the direct way to resolve it bases on the building of the regime of internal control. Moreover, the fundamental approach is to integrate the enterprise culture of financial companies, so as to unify security, liquidity and profitability successfully.
出处
《北京联合大学学报(人文社会科学版)》
2008年第3期101-104,114,共5页
Journal of Beijing Union University(Humanities and Social Sciences)