商业银行操作风险探讨

Operational Risk of Commercial Banks

操作风险在银行的风险中成为不可忽视的风险,与信用风险、市场风险并列为商业银行的三大风险。在过去的几十年间因为"操作"上的失误,银行业蒙受了巨大的损失。由于操作风险的多样性和不确定性,操作风险虽然不能完全消除但是可以通过采取有效的措施来降低风险发生的概率。本文从操作风险的形成原因入手,通过对操作风险案例的研究,结合工作实际,提出了控制操作风险的建议。

Operational risk in the bank＇s risks can not be ignored, and has been one of the three major risks of commercial banks with credit risk and market risk. The banking industry has suffered huge losses in the past few decades because of the ＂operation＂ mistakes. Due to the diversity and uncertainty of operational risk, operational risk can not be completely eliminated, but its probability of occurrence can be reduced by taking effective measures. This article from the formation reasons of the operational risk, and through the case study about operational risk, puts forward the proposal to control the operational risks combined with the actual work.