国有商业银行面临的主要操作风险及防范对策

随着国有商业银行各项改革的不断深化,各银行在信用风险和市场风险的管理方面都取得了一定的成效,但在操作风险的管理方面还处于起步阶段,因此,必须全面提高银行操作风险的管理水平,这样才能有效地保证改革的胜利成果。要有效地管理操作风险,必须将其真正纳入全面风险管理的范畴,实施全面的股份制改革和组织架构改造,严格加强内部控制管理,应用信息技术建立操作风险模型和监控系统,培养专业化的人才队伍。

Major Operating Risks of State-owned Commercial Bank and Relative Precautions

With the deepening of various reforms,each state-owned commercial bank has made some achievement in the control of credit risk and market risks,but still remained a initial stage.So they should improve the management of this aspect to extend the achievement obtained before.The paper suggests several effective measures to control risks,such as bringing risk control into the category of overall venture management,carrying out all-around reforms of joint stock system and organizational structure,strictly enhancing internal control,building a mode of operating risk and monitoring system by IT applications,and training a professional group.