国内外商业银行操作风险管理实践探讨  

On Practice of Operational Risk Management in Commercial Banks

作　　者：杨国梁[1] 

机构地区：[1]西安交通大学经济金融学院

出　　处：《国际金融研究》2007年第12期29-36,共8页Studies of International Finance

摘　　要：本文从介绍国际活跃银行操作风险管理的最新进展及美、德商业银行操作风险管理实践,剖析我国商业银行操作风险管理中存在的不足,提出借鉴国际活跃商业银行操作风险管理理念、模式、体系、流程、技术等建议。我国商业银行目前案件频发、内控薄弱、群众信任度下降等,亟需借鉴国际活跃银行操作风险管理的经验,从构建体系、培育文化、理顺流程、完善制度、提高技术等方面,加强操作风险管理机制建设,这是有效解决合规风险、操作风险及案件的一项重要治本之策。By presenting the latest developments in operational risk management of internationally active banks and the practices of American and German banks in particular in this regard, this paper analyzes Chinese banks＇ deficiency in operational risk management and puts forward realistic suggestions that we should learn from internationally active banks about operational risk management in terms of ideas, modes, systems, procedures and technologies. In view of the current situation that in Chinese banks criminal cases occur frequently, internal controls remain weak, scandals break out endlessly and credibility declines, it is imperative for us to strengthen the operational risk management by establishing efficient structures and good cultures, streamlining procedures, improving rules and enhancing technologies. Those will be essential for Chinese banks to manage compliance and operational risks and to eradicate the roots of criminal eases.

关 键 词：商业银行 操作风险管理 实践 

分 类 号：F831[经济管理—金融学]