我国商业银行操作风险管理分析.pdfVIP

A b s t r a e t A t P re sen t，th e risk s fa c e d b y fin an e ia l in stitu tion s in g en era l ca n b e Su m m ari z ed a s m ark et risk ，cred it risk an d o P eratio n a l risk . T h e risk s ， m ark et risk an d ere d it lo n g b e en targ ete d b y th e fin an c ia l se eto r a tten tio n ， h av e a m o re so P h istic ate d risk m an a g em en t te ehn iq u e s，v ari o u s fin an e ia l in stitu tio n s h a s e stab lish th e re lativ e ly e ffe etiv e m an a g em en t sy stem . W h ile oP eratio n a l risk h a s b e en lo n g b e en P ro P o se d ，b u t to rea lly tie w ith th e first tw o risk s for th e finan cial in stitution s m u st faee three m ajor risk m a n a g em en t，it 15 ”N ew B a se l C aP ita l A e c o rd ” issu ed a fter th e m att er. Wi th th e oP en in g u P th e fin an e ia l in d u stry， g lo b a liz atio n ，th e co m P lex ity o f b an k in g tran sa etio n s a n d in fo rm a tio n te e如 0 10 9 又 effe etiv e m a n a g em en t o f O P era tio n a l risk h a s b e e o m e in ere a sin g ly imP o rtan t b a n k in g issu e s. Wi th C h in a ，5 a e c e ssio n to W T O ，in tern atio n a l fin a n c ia l in stitutio n s w ill a g g re ssiv e ly en ter th e C h in e se m ark et，d o m e stic fin an e ia l in stitutio n s to b rin g th is g reat co m P etitio n . Wi th in te扭 atio n a l stan d ard s，in lp ro v in g m an a g em en t h a s b e eo m e u rg en t d e sire o f fin a n e ia l in stitU tio n s .T h ere fo re ， th e o P era tio n a l risk m an a g em en t h av e a lso e n tere d th e C h in e se fin an e ia l se eto r an d th e v isio n o f a g ro u P o f seh o lar s. M o re o v er，sin e e th e risk o f lo n g 一stan d in g