我国商业银行操作风险现状分析

Research of Operational Risk in China’s Banking Industry

操作风险是指金融机构由于内部工作流程、人员、技术或者外部事件所造成损失的风险。我国商业银行处于转型当中,由于操作风险引发的损失事件频频发生。本文通过所收集到的国内商业银行的操作风险损失事件,从影响操作风险四个因素角度进行分析,对操作风险损失事件的频度和幅度进行了定量分析,对我国银行业目前面临的状况给予一个初步的概括。

The operation risk refers to the lost risk that caused by the interior processes, the personnel, the technique or the external event in the finaneial institutions. Chinese commercial bank is reforming, because the operation risk initiation＇s loss event occurs repeatedly. This article collects the internal commerce banks＇ operation risk loss event, which carries on the analysis from the influence operation risk four factors, and has carried on the quantitative analysis from the risk loss event＇s frequency and the scope, and gives a preliminary summary on facing the condition to our country banking industry at present.