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Research on Key Elements of Operational Risk of Commercial Bank Based on ANP

Author: LiChen
Tutor: YangZuoRong
School: Shandong University
Course: Business Administration
Keywords: commercial banks operational risk the key factors ANP
CLC: F832.2
Type: Master's thesis
Year: 2011
Downloads: 113
Quote: 0
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Abstract


Operational risk is one of the main risks in Commercial Bank Management Process, which exists everywhere in bank operations, and shows the growing trend in the economic and financial development. In recent years, commercial banks suffered huge losses from the frequent international operational risk events, and even affected the stability of the banking system in some countries. The continuous events exposed in Chinese banking institutions demonstrates that the operational risk is one of the important sources of bank losses, and the operational risk is increasing constantly as the development of banking business, the factors have an impact on operational risk are also changing constantly. Due to the rapid rising trend of operational risk, financial institutions pay more attention to this "coming with open the door" risk. The problems of operational risk are growing in commercial banks; it’s imperative for Chinese commercial bank industry to quantify operational risk management in order to deal with the increasing fierce competition, which need enhance the research on operational risk management with advanced technologies and models. How to establish a complete and effective operational risk management system is needed to be resolved by Chinese commercial banks; and how to do quantitative analysis on operational risk of commercial banks, especially to identify the key factors that have an effect on operational risk is the main issue in a number of researches on operational risk of commercial banks. However, operational risk is affected by many factors and which also have interaction on each other, it is difficult to evaluate them. And the theoretical study and practical application on commercial banks’operational risk of our country is still on the initial stage, and there is relatively less assessment for operational risk of commercial banks. As a result, it has important research value to establish the commercial banks’operational risk rating system, and will have important guiding significance on security management as well as risk control self-assessment of Chinese commercial banks.This article introduced the concepts and categories of commercial banks’ operational risk, and conduced the top five characteristics of the operational risk in our country; And have an in-depth analysis on the operational risk management problems exist in the current Chinese commercial banks; there are five main categories of operational risk factors, including human factors, business process factors, system factors, external factors and organizational factors. Finally, the key elements of the commercial bank operational risk assessment model is indentified by the ANP method, and determined the key factors have an impact on Chinese commercial banks’ operational risk, they are:Internal fraud, administration structure, staff quality, internal control system, external fraud, and the organizational culture, which also made an application for the assumptions in the end. In brief, it is hoped that through the research on the Chinese commercial banks risk management activities, it will play a practical guide. Therefore, the study of this issue has important theoretical value and practical significance.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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