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Utility Analysis of Operational Risks in Commercial Banks

Author: LiuXiaoGang
Tutor: CaoTingQiu
School: Shandong University
Course: Finance
Keywords: Risk management model Comprehensive risk management Risk Officer system Parallel operation Vertical management
CLC: F832.2
Type: Master's thesis
Year: 2008
Downloads: 1034
Quote: 2
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Abstract

After the Asian financial crisis in 1997, the risk of commercial banks, the new addition to credit risk, market risk, operational risk became the focus of international advanced banks, formally promulgated in June 2004 \as a symbol, a modern commercial bank into a comprehensive risk management phase. In the past ten years, along with the financial markets, the rapid development of IT technology, bank managers, risk awareness and the ability to grasp and continuously improve the commercial banks on the theory and practice of risk management models intensified research, risk management model has changed dramatically. The mode of arrangement of the risk management of commercial banks by the banking system, the impact of bank corporate governance structure and bank organizational form bank risk management of macro-and meso-institutional environment factors. National commercial banks under different internal risk control management system environment in the development of risk management process, the formation of a variety of risk management models. For a long time, the world-class commercial bank risk management model tireless explorations and gradually build a state-of-the-art risk management model. In the context of China's financial markets to accelerate the opening up and reform of state-owned commercial banks into stock to build a state-of-the-art risk management model has become the domestic commercial banks to speed up the establishment of a modern corporate governance mechanism to build the core competitiveness, the inherent requirements of the implementation of the development strategy and an important guarantee. In recent years, the domestic commercial banks actively learn from advanced international experiences and practices of commercial banks, and made a great deal of work in improving risk management model, and received positive results, but compared with foreign advanced commercial banks, commercial banks in risk management institutional building, mechanism building, there is still a wide gap. Therefore, accelerate the construction of advanced risk management model has become imperative of domestic commercial banks risk management activities. At present, domestic and foreign scholars and experts on risk management model has made significant progress in domestic theoretical study is relatively small, but due to a late start, a lot of controversy related content, practice and exploration of domestic banks more difficult. China Construction Bank in 2004 on the basis of learn from world-class experience in the commercial banks, began to explore the establishment of a comprehensive risk management model, the risk of vertical management system pioneered in the domestic industry in 2005, aims to build a centralized, vertical comprehensive risk management system After more than two years of reform and exploration, has achieved initial success. This paper systematically describes the basic theory of modern commercial bank risk management model, principles, and world-class commercial bank risk management model, learn from advanced international commercial banking experience, combined with the actual situation of the domestic banks, asked the commercial banks in China to build advanced risk management The basic strategy of the mode. I hope that through this to be able to play a valuable role on the development of China's commercial banks risk management theory and practice. The main content of this paper is organized as follows: The first chapter is a theoretical study of the credit risk of commercial bank management mode. Focuses on commercial bank risk management characteristics and risk management mode of arrangement under the macro-institutional environment, and in view of the institutional environment, which is the theoretical basis for building advanced risk management models. The second chapter describes the main characteristics and development trend of the modern commercial bank risk management. Reviews the history of the commercial bank risk management, summarize the main features of a comprehensive risk management, analysis of the trends of the modern commercial bank risk management, to further clarify the context of the development of risk management. Chapter three levels of risk management organizational structure, risk management processes, risk management run supporting mechanism, Bank of America, Citibank, Deutsche Bank, for example, the system introduced world-class commercial bank risk management model, modern commercial bank advanced risk management models were empirical analysis. Chapter By reviewing the history of the development of Chinese commercial bank risk management, the status quo of domestic commercial banks risk management analysis elaborated build advanced risk management model constraints. Chapter combination of the above analysis is proposed to build the strategic choice of the Chinese commercial banks advanced risk management model. Proposed overall goal to build advanced risk management models, the basic principles, key to establish risk officer system, the implementation of the vertical management, and implementation of parallel operation of account managers and risk managers on the strategy of the domestic commercial banks to build advanced risk management model and The prospect of its development trend.

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