商业银行业务运营风险的分级与分类管理

The Grading and Classification Management of the Risks of Commercial Bank's Business Operation

业务运营风险具有内生性、复杂性、隐蔽性和关联性的明显特征,主要来源于内部程序、员工、科技信息系统和外部事件,大多数是在银行可控范围内的内生风险,但银行又无法保证因承担业务运营风险而获得收益。近年来,各商业银行日益重视业务运营风险,工商银行适时实施新监督体系改革,以"业务运营风险管理系统"为主要平台,配套以"风险事件分级分类管理"机制。实施风险事件分级分类管理,必须注重风险管理的科学性、有效性,形成较为成熟的理论体系,构建高效高质的运行机制,拥有强大的技术保障支撑,对不同的风险事件采取不同的控制措施。

The risks of business operation have the obvious features of endogenous, complexity, hiding and relevance, mainly from internal process, staff, scientific and technological information system and external events. Most of the risks are endogenous and can be controlled by bank, but the bank can not guarantee to obtain earnings from business operation. In recent years, commercial banks are increasing emphasis on the risks of business operation. ICBC implements the timely reform of new monitoring system, takes the risk management system of business operation as the main platform, the grading and classification management mechanism of risk events as the endorsement. To implement the grading and classification management mechanism of risk events, it＇s necessary to pay attention to scientific and effective risk management, build high-quality and efficient operational mechanism and strong technical support and take different risk measures for different risk events.