商业银行操作风险管理研究综述

The Summary of Research on Operational Risk Management in Commercial Banks

2004年,巴塞尔委员会发布了《巴塞尔新资本协议》,将操作风险纳入风险监管范围,为其设定最低资本要求,此举进一步推动了银行操作风险管理研究。经过十几年的时间,操作风险管理研究取得了不少有意义的成果,但总的来说还没有形成统一的理论研究体系。本文概括介绍了国内外在商业银行操作风险管理领域研究的现况,指出研究中尚存在的问题与不足,对推动研究的深入和提升商业银行操作风险管理水平具有一定的意义。

In 2004, BCBS （Basel Committee on Banking Supervision） issued ＂International Conver- gence of Capital Measuremem and Capital Standards＂ （Basel II）. The standards involve operational risk into the scopes of supervision of risk and design the lowest capital requirement based on operational risk, which further pushes the research on operational risk management in commercial banks. Generally speak- ing, the research on operational risk management has not yet formed unified theory system, though sub- stantive meaningful results have been achieved in the research field over a decade. The article introduces the current situation of the research on operational risk management in commercial banks, and points out the problems and drawbacks of the existing research, which may push the related research forward and improve the level of managing operational risk of our country＇ s commercial banks.