操作风险管理的治本之道:金融制度创新

操作风险是当前商业银行所面临的主要风险之一。但是,与市场风险和信用风险相比,商业银行对操作风险的认识和管理都处于较低水平。在不否认进行思想教育能在一定程度上减少操作风险损失事件的同时,着重强调了制度缺陷是我国银行业操作风险产生的根本原因,只有加强金融制度创新才能从根本上防范和化解操作风险。

The Basic Method of Operational Risk Management: Financial Institutional Innovation

The operational risk is one of main risks which the current commercial bank faces. But compares with the market risk and the credit risk,the understanding and the management for the commercial bank operational risk is both in a lower level. This article points out that the ideological education can reduce the operation risk loss event while the certain degree,and it emphatically emphasizes that the institutional flaw is the basic reason for the operational risk in our country banking, we must strengthen the financial institutional innovation to be fundamentally able to guard against and to melt the operation risk.