由法国兴业银行事件谈商业银行操作风险管理

On Operational Risk Management of Commercial Banks Based on Event of Societe Generale

法国兴业银行事件所暴露出来的是典型的银行操作风险,人员因素、系统管理漏洞、前台交易和后台清算的独立性不高、监管体制不健全等内部管理上存在的疏漏是导致银行操作风险的主要因素。法国兴业银行事件给予我们的启示是:应不断对职工进行职业道德从业操守教育,提高员工的风险意识;实行前台和后台分离的业务流程;加大内部监管力度;加强相关系统建设;完善对来自交易所的警告信息的反应机制。从而规避风险或者使案件的发生概率降低到最低程度。

The problem of Societe Generale is a typical operational risk. The omissions in internal management, such as personal factor, defaults in system management, low independence of counter transaction and background liquidation, and imperfect supervision system, are main reasons leading to operational bank. The enlightenment from Societe Generale is that we should teach the staff to follow professional ethics and to increase their risk awareness, practice independent business process, increase internal supervision and related system construction, improve response mechanism to warning information from exchange, and thereby avoid risk or decrease occurrence of the ease to the lowest possible degree.