新巴塞尔协议与我国商业银行操作风险管理

新巴塞尔协议首次将操作风险纳入管理框架,操作风险正受到全球银行业的关注。和西方商业银行相比,我国商业银行在操作风险管理方面面临更多的问题,实施新巴塞尔协议难度更大。如管理基础薄弱、法人治理结构不完善、内部控制不健全、外部环境较差等。因此,我国商业银行必须高度重视操作风险管理,通过完善法人治理结构、加强基础管理和内部控制体系建设等措施,提高操作风险管理水平,逐步满足新巴塞尔协议的要求。

New Basel agreement and China commercial bank operation risk management

The Basel Ⅱcreatively put the operational risk into management frame,the operational risk gained the concern of the world banking.Compare with western commercial bank,our country's commercial banks have to face more problems in the operational risk management,and have more difficult in practicing The Basel Ⅱ.Such as the management foundation is weak,the legal person management construction is not perfect,inner control is not sound,exterior environment is bad etc.Therefore,our country's commercial bank must highly concern the operational risk management,passing perfect the legal person management construction,enhance the foundation management and the the inner control system construction,increase the level of the operational risk management,gradually satisfy The Basel Ⅱ's request.