基于收入模型的中小型商业银行操作风险管理研究——以华夏银行为例

On the Operational Risk Management of the Smalland Medium-sized Commercial Banks Based on the Income Model——A Case Study of Huaxia Bank

中国商业银行在经过股份制改造上市后面临着全球金融债务风险的考验。华夏银行作为中国中小型股份制商业银行的代表,操作风险的案件频率和涉案金额屡创新高。采用相关评价方法、构建决策模型、度量操作风险的大小,并针对华夏银行存在的操作风险,提出按照市场存款利率的变化动态调整贷款利率、加强对不良贷款率的控制、提高借贷企业和个人的前期信用评估等对策来规避。

China＇s commercial banks, after a joint-stock reform of the listed debt, are faced with a test of the global financial risks. China＇s Huaxia Bank is a small and medium-sized joint-stock commercial bank, its operational risk and frequency of cases involving a large amount of momey hit high records. This paper takes China＇s Huaxia Bank as an example, and uses the relevant evaluation method and the decision the model to measure the size of operational risk. This paper also puts forward suggestioms for avoiding the risks throngh adjusting the loan rate based on the change of the deposit rate in the market, improving the control of the non-performing loans, and emphasizing the credit evalution of enterprises and individuals.