商业银行业务运行风险集中监控模式分析

Centralized Monitoring Pattern on Internal Operational Risk of Commercial Banks

近年来,我国商业银行在业务运行过程中产生的损失事件日益繁多,且多为内部因素形成,其损害更隐蔽、更常见,破坏力也更大。本文以工商银行江西省分行实施全省集中监控运行风险为例,深入剖析了业务运行风险理论基础和运行风险发生机理,探讨了业务运行风险省行级集中监控模式的应用对象、实施路径、管理流程以及进一步推进风险集中监控纵深发展的措施。为了深入推进业务运行风险集中监控模式,应当进一步树立风险管理全局意识,加快风险分级管理机制及风险评估机制建设,加强监控队伍建设。

In recent years, loss events resulting from operational risks in commercial banks are getting more and more, and most are brought by internal factors, so the damages are more concealed, more common, and more serious. With the case of ICBC Jiangxi Branch in implementing province-widely centralized monitoring on internal operational risk, the paper scrutinizes in-depth the theoretical basis and action mechanism of internal operational risk, and analyzes the application object, implementing route and management process of centralized monitoring pattern on provincial branch level. To promote the further development of centralized monitoring pattern on internal operational risk, commercial banks should establish an overall awareness on risk management, accelerate the construction of hierarchical risk management mechanism and risk assessment mechanism, and strengthen monitoring staff building.