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The Research on Operational Risks of China’s Commercial Banks

Author: WangBiao
Tutor: ZhangJinSheng
School: Capital University of Economics
Course: Finance
Keywords: Operational risk Internal fraud External fraud Comprehensive risk management Process Design Corporate Governance
CLC: F832.2
Type: Master's thesis
Year: 2006
Downloads: 925
Quote: 2
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Abstract


Banking operational risk has caused widespread concern at home and abroad. Large international banking institutions and financial regulatory agencies began to shift the focus of risk management operational risk up, and actively carry out research on operational risk, operational risk, including the form and content of the performance of the banking safety hazards, risk measurement, control and management framework for the establishment. For frequent outbreaks of China's current banking operational risk events and their cause substantial losses to the bank, China's banking industry is also an urgent need for research and operational risk management. In this paper, starting from the international banking operational risk research to understand the connotation and extension of operational risk, by selecting representative data plus expounded the basic characteristics of operational risk and theoretically to explore reasons for its occurrence. According to the New Basel Capital Accord provision of the operational risk classification standards and research methods, the collected occurred in recent years, China's banking operational risk analysis of the data by analyzing the conclusions we found that the banking sector were generated operational risk There are theoretical reasons for its common, including moral hazard, internal control, process design and the negative impact of scientific and technological progress. Second, because the banking industry operating environment, risk management systems and cultural differences, China's banking operational risk there special reasons for its occurrence and the typical characteristics of human performance too much risk, managers, staff and external personnel moral hazard result of internal and external fraud incidents become China's banking operational risk is the main reason; secondly the lack of system and institutional rigidity also be a cause of the lack of risk events occurring on a large sub important reasons. These mainly investigated in depth, in essence, because it ultimately comes down to the banking system of property rights and governance structures. And this issue has been the transformation of China's banking industry plague the biggest problem. Property rights system is unreasonable, resulting in lack of corporate governance structure, which in turn led to the banking sector and the internal management mechanism behind management mechanisms. Effective incentive and restraint mechanisms are not yet formed, the risk for the banking system to support the lack of effective oversight, resulting in China's banking industry executives, internal personnel operational risk caused by crime become China's banking operational risk in the event of a typical feature. As China's economy and the deepening of the degree of external away the increasing competition in the banking sector, we have to operate in the domestic banking sector risk issues to be carefully studied, based on the results of objective, scientific conclusions, thus perfecting the system of property rights and corporate governance structure, establish a sound internal control system, process re-design and renovation, the establishment of a scientific and effective risk management culture and development efforts to increase scientific and technological aspects of China's banking industry to actively manage operational risk problems resulting from the roots gradually strengthen and improve risk management system to reduce operational risk. Operational risk in the banking sector on the issue of the study, due to lack of data and analytical methods is relatively simple, and thus may cause the conclusions of bias, but the main problem on the data listed in this article still has some representation, which is This lack of learning in the future which will be gradually improved.

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