商业银行操作风险管理研究：基于新巴塞尔协议-产业经济学专业论文.docxVIP

ABSTRACTABSTRACT ABSTRACT ABSTRACT Basel Committee on Banking Supervision in June 2004 adopted a new”Basel Accord”Based on sun]ming up the advanced international practice on bank risk management，a frame work for bank risk supervision was put forward．Compared with the old one，the most notable feature ol、New Basel Accord was bringing operational risk into a major area of concern．，and embracing it into the new capital of the venture capital calculation and regulator?,framework in the latest financial accord．Attending the continuously growth of China’S commercial banks， especially the successfhl listing lbr the China Construction Bank and Industrial and Commercial Bank of China which are the two of China’S four major state—owned commercial banks，China’S commercial banks are entering into international active banks rapidly So it is necessary for 7Fhe international Development of China’S commercial banks to study on international banking rules． Research about the risks of the operation are not yet formed a unified viewpoint．even in the concept of operational risk China Banking Regulatory Commission said that China will continue to implement the old accord fonned in 1 988．which mealls that it is not necessary for China’S commercial banks to be a lot ol operational risk capital allocation．However,a series of major cases of the risks happened in China。S commercial banks in 2005．and it is clearly expressed that China bank。S operating risk control form is not optimistic It can be said that the operating risk than other risks such extreme conditions is likely,to trigger a bankruptcy occurred． Relatively speaking，the risk management of state—owned banks has just started， Risk Management targets are only limited in credit risk control mad prevention．and rarely involve risk and market risk and other operational risks；Risk assets of the banking supervisory authorities，the regulatm’Y capital adequacy,ratio，and also mainly credit risk．Domestic operation ot、the international risk mana