对我国商业银行操作风险管理的思考

我国商业银行目前对操作风险尚处于学习认识阶段,管理水平较低.重大丑闻和各类违规事件较多、员工素质不适应业务转型需要、产品创新风险较大、信用欺诈形势严峻是我国商业银行操作风险的基本特征.要通过完善治理机制,构筑新的"三道防线"对操作风险实施概率化控制.

A View on Operational Risk Management of China''''s Commercial Banks

China's commercial banks' knowledge and know-how about operational risk management are still at primitive level, which is characterized as frequent scandals and violations, staffs unqualified for business transformation, high risk of products innovation, serious credit fraudulence. The solution is to implement probability control by improving governance mechanism and constructing new three lines of defense.