文章主要是针对商业银行当前风险管理现状以及银行风险管理的相关理论
进行了总结和梳理，明确了商业银行未来发展对于操作风险管理的必要性和重要
性。文章并以实际案例 A 商业银行作为实际研究案例，对 A 商业银行目前发展
状况进行了分析、研究，明确了 A 商业银行当前存在的问题，分析问题原因
虽然当前 A 商业银行建立管理制度，但是仍然存在操作风险关注度低、操作风
险管理方法和技术落后、信息系统落后等问题
文章对于 A 商业银行操作风险管理现状进行了问卷调查，并分析了相关的
问卷，最终根据调查状况明确了 A 商业银行操作风险管理存在问题的原因，存
在的主要问题就是风险控制管理机制不完善，管理组织架构不健全、激励约束机
制不完善、操作风险管理意识淡薄、员工素质有待提高，以及信息系统不完善等
根据当前 A 商业银行操作风险管理问题产生的原因，提出了应对措施，A 商业
银行需要完善风险管理制度、加强风险管理宣传，提升每一个员工的风险管理意
识，提出管理方案、完善稽查管理机制、加强操作风险惩戒问责力度等
文章的主要创新点在于运用操作风险管理相关理论，根据 A 商业银行的操
作风险管理实际情况，指出在操作风险管理方面存在的问题及问题成因，同时，
提出切实可行的具体措施。根据 A 商业银行近三年的经营数据进行分析，明确
了 A 商业银行在发展过程中应当采取的措施，研究过程以具体实际为案例，措
施具有可操作性，具有一定的实践指导意义
关键词：商业银行 操作风险 操作风险管理 防范策略成都理工大学硕士学位论文
II
Operational Risk Prevention Strategy of Commercial Banks A
Commercial Bank as an Example
Abstract
With the rapid development of market economy， the market competition is
more and more intense, commercial banks continue to develop in the market
competition, but also continue to realize the importance of commercial banks
operating risk management, and constantly explore and search to promote enterprise
development and adapt to enterprise Risk management practices, and continuously
enhance the bank&39;s risk resilience, risk control capabilities and bank risk regulatory
capacity. Relativing to the credit risk,market risk, operational risk is the most direct
and common risk faced by China&39;s commercial banks in the course of business.
Therefore, the operational risk management level of commercial banks has become an
important criterion for evaluating the level of bank management.
This paper summarizes the present situation of risk management and the relevant
risk management theory of commercial banks, and clarifies the importance of the
operational risk control of commercial banks,and chooses A commercial banks as the
main research case, A commercial banks current risk management has a certain
Representative. The paper of analyzing the current situation of operational risk
management and the problems existing in operational risk management of A
commercial banks,and thinks that although the commercial management system has
established the risk management system,the operation risk reporting process is also
stipulated， but still exists Low risk of operational risk, operational risk management
methods and backward technology, information systems and other issues.
According to the analysis of the status quo of the operation risk management of
A commercial banks and the analysis of the questionnaire, it clarifies the reasons for
the problems in the operation risk management of the commercial banks, mainly for
the imperfect internal risk management system, which is mainly reflected in the
imperfect operation risk management framework , Incentive and restraint mechanism
is imperfect, operational risk management awareness is weak， the quality of staff to
be improved,and the information system is not perfect. In view of the above problems,
this paper puts forward the concrete measures of the commercial banks to strengthen
the operational risk management, including improving the risk management
framework, strengthening the construction of the operational risk managementAbstract
III
culture ， raising the professional quality of the bank employees,establishing the
scientific and reasonable incentive and restraint mechanism,System to train risk
management professionals,to strengthen operational risk data and management
information system construction.
The innovation of this paper is based on the theory of operational risk
management,and points out the problems and problems in the operation risk
management according to the actual operation risk management of A commercial
banks. At the same time,the practical measures are put forward. According to the
business data of A commercial bank for nearly three years,the paper analyzes the
measures that should be taken in the development process of A commercial banks.
The research process is practical and practical, and has some practical guidance
significance.
Keywords: Risk Management,Strategy of Operational,Risk Operation in, Commercial
Banks目 录
V
目 录
摘要...... I
ABSTRACT...... II
第 1 章 绪 论1
1.1 研究背景及意义.1
1.1.1 研究背景...1
1.1.2 研究目的及意义...2
1.2 国内外研究现状.2
1.2.1 国外研究现状.......2
1.2.2 国内研究现状.......4
1.3 本文结构及创新之处.....5
1.3.1 本文结构框架.......5
1.3.2 创新之处...5
1.3.3 本文不足之处.......6
第 2 章 相关理论概述7
2.1 商业银行操作风险概述.7
2.1.1 商业银行操作风险定义...7
2.1.2 商业银行操作风险分类...7
2.1.3 商业银行操作风险特点...8
2.2 商业银行操作风险防范理论基础.........9
2.2.1 行为金融理论.......9
2.2.2 全面操作风险管理理论...9
2.2.3 操作风险的计量模型.....10
第 3 章 A 商业银行操作风险防范现状分析..........11
3.1A 商业银行基本情况.....11
3.2A 商业银行
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