浅论当前商业银行操作风险管理

Brief Discussion on Commercial Banks' Current Operational Risk Management

操作风险是商业银行面临的三大主要风险之一。近年来操作风险给银行业发展带来的问题明显增多,造成的损失也不断增加,因此加强操作风险管理,是商业银行当前风险管理工作中面临的一个重要而又棘手的问题。本文从我国商业银行操作风险管理中存在的薄弱环节进行分析,同时结合近期商业银行操作风险事件的五个新特点,提出了加强操作风险管理应在规章制度、管理体系、风险防范、业务流程、队伍建设等方面加以健全完善、持续改进的具体对策。

Operational risk is one of the three major risks confronted by commercial banks. In recent years, problems related to operational risks existing in commercial banks' development increase obviously, so does the damage caused by them. Therefore, the enhancement of operational risk management is an important and sticky problem to be solved in commercial banks' current risk management works. The article begins its analysis from the weaknesses existing in China's commercial banks' operational risk management, meanwhile, combining with the five new features of the recent commercial banks' operational risk events, it puts forward the specific countermeasures for the enhancement of operational risk management, especially in the continuous improvement and perfection of such aspects as rules and regulations, management system, risk prevention, business processes, team construction and so on.