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本文共分为五章：第一章是绪论，主要阐述研究背景、研究意义以及本文的研究
方法、思路、框架、创新点和不足。第二章是国内外相关理论和文献，主要阐述了相
关的风险管理理论和国内外学者对操作风险管理的研究成果。第三章是商业银行柜面
操作风险管理概述，主要阐述了风险管理的概念以及商业银行柜面操作风险的风险主
要风险点。第四章是苏州农行柜面操作风险管理现状及问题分析，结合其 2016 年的
柜面操作风险数据和具体案例，对其操作风险管理存在的问题进行剖析。第五章是苏
州农行柜面操作风险防范的对策与措施，该部分是全文的重点，尝试着提出了完善其
操作风险管理的对策，可从加强员工管理、改进风控体系统、创新防范手段、优化业
务流程、完善内控机制等五个方面提出了建议。第六章是全文总结与进一步研究展望，
在对全文进行总结后，对我国商业银行柜面操作风险管理的进一步研究进行了一点展
望
关键词：商业银行，风险管理，操作风险，对策建议
作 者：黄 飞
指导老师：乔桂明II
The research on the counter’s operational risk of
Agriculture Bank of China Suzhou Branch
Abstract
In general, the risks faced by banks are credit risk, market risk, interest rate risk,
reputation risk and operational risk. The credit risk, market risk, interest rate risk and
reputation risk of commercial banks have been paid lots of attention. There are many
related research works. But the research on the operational risk especially counter
operational risk is very little. There is even no deduction and summary of the system
theory from the details. The lack of theory has directly led to the lack of understanding of
operational risk in China&39;s banking industry, and thus the corresponding countermeasures.
According to statistics, China&39;s banking sector in recent years the risk events, more than 80
percent of all are relevant to counter operation. In fact, bad control of counter operational
risk is likely to bring the reputation risk and credit risk for the bank, and led to the bad
development of bank. Therefore, how to effectively control the counter operational risk is
an important issue faced by commercial banks.
This paper is divided into six chapters. The first chapter is introduction, This paper
mainly introduces the research background, research significance.This paper also briefly
introduces the research methods, ideas, framework, innovation and shortcomings. The
second chapter is an overview of the risk management methods and the domestic and
foreign experts&39; research on the operational risk management of commercial banks.The
third chapter is an overview of the operational risk management of commercial bank
counter. Mainly introduces the theory of risk management, forms of the operational risk
and a brief description of the key operational risk management of commercial bank counter.
The forth chapter is the analysis of Suzhou branch Agricultural Bank of China’s
operational risk management status and cases. According to the data of counter operation
risk in 2016 and the specific cases, we have analyzed the existing problems of operational
risk management. The fifth chapter is the countermeasures and measures to prevent the
counter operational risk of the Suzhou branch Agricultural Bank of China. This part is the
focus of this paper, tries to propose some countermeasures to improve the operational risk
management. That is to strengthen staff management, to improve the control system of risk,III
to innovate the preventive measures, to optimize business processes, to perfect internal
control mechanism. The sixth chapter is the review and prospect. It’s the summary of the
full text, and proposed some prospects of the counter operational risk management to
Chinese commercial banks.
Key words: Commercial bank;Management of risk,Operational risk,Countermeasure
and suggestion
Written by:HuangFei
Supervised by:QiaoGuiming目 录
第一章 绪 论·1
1.1 研究背景和研究意义 ··1
1.1.1 研究背景1
1.1.2 研究意义2
1.2 研究方法思路及框架 ··2
1.2.1 研究方法2
1.2.2 研究思路3
1.2.3 研究框架3
1.3 研究的贡献与不足 ··4
1.3.1 本文的贡献4
1.3.2 研究的不足之处5
第二章 国内外相关理论与文献 2
2.1 相关风险管理理论 ··2
2.1.1 巴塞尔协议2
2.1.2 信息不对称理论2
2.1.3 海因里希生产安全理论3
2.1.4 现代资产组合理论4
2.1.5 风险价值度理论4
2.2 国内外文献研究综述 ··5
第三章 商业银行柜面操作风险管理概述 9
3.1 企业风险的定义、识别与处理··9
3.1.1 企业风险的定义9
3.1.2 风险的识别与评估9
3.1.3 风险管理的实施和处理·10
3.2 商业银行操作风险分析 10
3.2.1 商业银行操作风险的概念·103.2.2 商业银行操作风险的种类·10
3.2.3 银行操作风险的成因分析·11
3.2.4 商业银行操作风险的趋势特征·12
3.3 柜面操作风险是商业银行风险管理的重点13
3.3.1 柜面操作风险的概念·13
3.3.2 柜面操作风险的分类·13
3.3.3 柜面操作主要风险点·14
3.3.4 柜面操作风险对商业银行带来的影响 15
第四章 苏州农行柜面操作风险管理现状及问题分析 ·17
4.1 苏州农行发展概况 ·
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