中外银行业操作风险比较研究  

A Comparative Study of Banks’Operational Risk between China and Foreign

作　　者：袁靖[1] 刘永久[1] 李东进 

机构地区：[1]山东工商学院 [2]佳速物流公司,山东烟台264005

出　　处：《金融发展研究》2010年第3期64-67,共4页Journal Of Financial Development Research

摘　　要：本文从国内外银行业操作风险损失事件分类数据和部门分类数据入手,采用案例分析法对中外银行业操作风险进行比较分析研究,发现我国银行操作风险集中在内部欺诈。中外典型案例的分析进一步说明了我国操作风险严重且集中的原因:信用体制和法律制度急需建立和完善;银行业内控制度和激励制度存在弊端;银行业仍然是分业经营模式,而且产品结构单一。In this paper, domestic and international banking operational risk loss events disaggregated data and sectoral disaggregated data to start, using case study method and foreign banks to conduct a comparative analysis of operational risk study found that the performance of China＇ s banking operations in the form of the relative risk of more serious and focused, mainly in internal and external fraud-type events, and commercial banking sector. Typical analysis of foreign case further illustrates the risk of serious and focused on our operational reasons： the credit system and the urgent need to establish and perfect the legal system; banking internal control system and the incentive system is plagued by problems ; banking business model is still sub-sector, and the single product structure.

关 键 词：操作风险 损失事件 案例分析 

分 类 号：F830.33[经济管理—金融学]