基于收入模型的我国商业银行操作风险研究-金融学专业论文.docxVIP

PAGE PAGE VI Abstract A commercial bank is a type of special HYPERLINK /wiki/Financial_institution financial institution which engages in the currency HYPERLINK /wiki/Transactional_account transactions. It is extremely important for a commercial bank to strengthen the risk management. credit risk will be firstly aware among the risks of commercial banks , with the developing of the bank investment activities, investment gains or losses directly affect the bank survival , the banks market risk caused the vigilance of the Bank. Operational risk is one of the oldest risks, which is along with the birth of the banking business. However it had not arouse the bank managers’ attention in a long time. Until to the late 20th century, operational risk caused a large number of banks losses frequently, causing serious economic losses to many financial institutions worldwide, financial institutions and scholars to shift attention to the operational risks. In June 2004, the Basel Committee on Banking Supervision issued a New Basel Capital Accord, the operational risk is included in the provision of venture capital calculation and regulatory framework, which also marked the financial sector into a comprehensive new risk management times. In China, the study of operational risk is later, during the practice of Chinas banking industry, operational risk awareness is obviously lagging behind the common risks such as credit risk, market risk and so on. China has lacked neither the systematic analysis of the operational risk for a long time, nor the measure of operational risk measurement model. In this situation, the search for effective operational risk measure, quantify and manage operational risk, reduce operational risk loss of commercial banks in China have important practical significance. This article summarized the characteristics of Chinas commercial banks operational risk, and pointed out that the main problems. Then described the Standards Act and the Advanced Measureme