商业银行操作风险的原因及对策分析.doc

风险管理期末课程作业
xx大学 xx学院
题目:商业银行操作风险的原因及对策分析
学生姓名_ xx _ 学号 xx
专业 xx 班级__ xx _
2014年 4 月 14 日
商业银行操作风险的原因及对策分析
摘要:银行业作为现代金融业的中心,,经济的全球化进程不断的加快,银行所经营的业务涉及到的领域越来越广。规模持续的扩展,造成经营的复杂性的因素不断的增多。商业银行面临着越来越棘手的操作的风险。从我国来看,最近这些年的,由于操作不利使得各种重大的案件发生的越来越多。为促进我国的操作风险管理,需对我国操作风险的具体状况作出分析,然后根据相关特征情况作出比较精准的判断,准确了解操作风险,进而提出我国商业银行操作风险对策。
关键词:商业银行操作风险风险管理
Abstract: The banking industry took the modern financial industry the center, its security and the stability are extremely important. Since these years, economical globalization advancement unceasing quickening, the bank has managed the service involves the domain is more and more broad. The scale continues the expansion, creates the plex factor unceasing increase. mercial bank is facing the more and more thorny operation risk. Looked from our country, recently these years, because operates enables each kind of significant case to occur more and more many disadvantageously. In order to promote our country's operation risk management, must operate the risk to our country the concrete condition to make the analysis, then makes the quite fine accurate judgment according to the correlation characteristic situation, understood accurately the operation risk, then proposed Our mercial bank operates the risk countermeasure.
Key words: commercial banks Operational risk management
一、操作风险的概述:
操作风险与信用风险、市场风险一样是银行业面监的最古老的一种风险,然而与信用风险、