-I- 中文摘要 近年来，金融行业监管力度不断增大，监管部门对金融市场乱象进行专项整 治。越来越多的银行因没有合理控制运营操作风险而频频曝出风险案件，已经引 起银行业的重视。 H 银行成立于 2007 年，是地方城市商业银行，由于成立时间晚，员工操作经 验不足，风险意识低，在运营管理过程中还存在较多隐患。本文从相关基础理论 出发，结合操作风险相关知识，得出运营操作风险的定义，并根据其特点进行分 类。随后针对 H 银行当前运营操作风险管理的情况进行分析，得出所存在的问题 及成因，运用 SWOT 进行分析得出管理建议，并结合国内外商业银行运营操作风 险管理经验，最终提出解决 H 银行运营操作风险管理问题的对策和建议。 关键词：H 银行；运营操作风险；风险管理黑龙江大学硕士学位论文 -II- Abstact In recent years, the supervision of the financial industry has been increasing, and the financial market disorder has been specially rectified by the regulatory authorities. More and more banks have frequently exposed risk cases because of the lack of reasonable control of operational risk, which has attracted the attention of the banking industry. H Bank was established in 2007 and is a local city commercial bank. Due to the late establishment time, insufficient staff experience and low risk awareness, there are still many hidden dangers in the operation and management process. Based on the basic theory and the knowledge of operational risk, this paper draws the definition of operational risk and classifies it according to its characteristics. Then, based on the analysis of the current operational risk management of Bank H, the existing problems and causes were obtained, and SWOT was used to analyze and obtain management recommendations, and combined with domestic and foreign commercial banks 'operational risk management experience, Finally, the countermeasures and suggestions to solve the risk management problem of H bank operation are put forward. Keywords: H Bank; Operational risk; Risk management目录 -III- 目录 中文摘要 ··························································································· I Abstact ····························································································· II 绪论 ·································································································1 一、研究的背景 ············································································1 二、研究的目的和意义····································································1 三、国内外研究现状·······································································2 （一）国外研究现状·································································2 （二）国内研究现状·································································4 （三）国内外研究现状评述 ························································5 四、研究内容及框架·······································································6 五、研究方法································································································7 第一章 相关概念界定及相关理论····························································9 第一节 相关概念界定 ·····································································9 一、商业银行操作风险······························································9 二、商业银行运营操作风险························································9 第二节 商业银行管理相关理论 ······················································· 17 一、风险管理理论·································································· 17 二、SWOT 分析 ···································································· 18 本章小结 ··················································································· 19 第二章 H 银行运营操作风险管理现状及问题分析 ····································· 20 第一节 H 银行概述 ······································································ 20 第二节 H 银行运营操作风险管理体系··············································· 20 一、运营风险管理体系···························································· 20 二、运营风险管理制度···························································· 21 三、后督系统及实时监督机制··················································· 22 四、定期轮岗制及强制休假制度················································ 23黑龙江大学硕士学位论文 -IV- 五、业务系统管理·································································· 23 六、重点业务的集中处理························································· 24 第三节 运营操作风险管理存在的问题 ·············································· 24 一、运营操作风险操作流程问题················································ 24 二、运营操作风险控制存在的问题············································· 26 三、运营操作风险人员管理的问题············································· 27 第四节 运营操作风险管理问题成因 ················································· 28 一、前台操作与系统流程制度不适应·········································· 28 二、系统开发技术与业务发展速度不同步···································· 29 三、业务发展与人力资源计划不匹配·········································· 29 四、风险预警系统和风险控制能力的缺乏···································· 30 本章小结 ··················································································· 31 第三章 H 银行运营操作风险管理 SWOT 分析 ·········································· 32 第一节 内部约束分析 ··································································· 32 一、优势因素 ·····························································