商业银行在运作过程中含有多风险类型，如操作风险、信用风险、市场风险等，其中， 操作风险是由于银行内部工作人员在进行业务操作时发生的疏忽行为所导致的，含有不可避 免性。本文基于对操作风险的分析与研究，对改善、应对该风险的方式进行讨论，有助于对 操作风险进行合理性评估，在风险发生时及时采取策略，提高管理效率，并使银行的经济安 全与效益得到保障。 本文基于对国内外文献资料的研究分析之上，对商业银行操作风险相关概念与理论进行 阐述，介绍相关研究现状。以ZG银行滁州支行为研究对象，从其操作风险管理体系、操作 管理风险政策完善、操作风险管理过程三方面出发，介绍该行的管理现状，阐明ZG银行滁 州支行的操作风险种类。使用专家评估法、风险监督法等对其中存在的问题与不足进行研究 分析，并提出相应的解决方法与应对策略，以期ZG银行滁州支行在操作风险方面的管理体 系可以更加完善，相关制度更加完备，减少操作风险出现频率，从而为稳定社会经济发展起 到推动作用。 关键词：ZG 银行滁州支行，风险识别，风险评估，风险应对，操作风险管理 ZG银行滁州支行操作风险管理研究 II ABSTRACT There are many types of risks in the operation of commercial banks, such as operational risk, credit risk, market risk, etc. among them, operational risk is caused by the negligent behavior of the bank's internal staff during the business operation, which is inevitable. Based on the analysis and research of the operational risk, this paper discusses the ways to improve and deal with the risk, which is helpful to evaluate the rationality of the operational risk, to take timely strategies when the risk occurs, to improve the management efficiency, and to ensure the economic safety and efficiency of the bank. Based on the research and analysis of domestic and foreign literature, this paper expounds the related concepts and theories of operational risk of commercial banks, and introduces the related research status. Based on the research object of Chuzhou Branch of ZG bank, this paper introduces the current management situation of the bank from three aspects of its operational risk management system, improvement of operational management risk policy and operational risk management process, and expounds the types of operational risk of Chuzhou Branch of ZG bank. The expert evaluation method and risk supervision method are used to study and analyze the existing problems and deficiencies, and corresponding solutions and countermeasures are proposed, so as to improve the management system of operational risk of Chuzhou Branch of ZG bank, improve relevant systems and reduce the frequency of operational risk, so as to promote the stable social and economic development. Keywords:Chuzhou Branch of ZG bank, risk identification,riskassessment,risk response， Operational risk management 南京航空航天大学硕士学位论文 III 目录 第一章绪论 .............................................................................................................................................. 1 1.1 研究背景及意义 ........................................................................................................................... 1 1.1.1 研究背景 ................................................................................................................................ 1 1.1.2 研究意义 ................................................................................................................................ 1 1.2 国内外研究综述 ........................................................................................................................... 2 1.2.1 国外研究现状 ........................................................................................................................ 2 1.2.2 国内研究现状 ........................................................................................................................ 3 1.2.3 文献综述 ................................................................................................................................ 4 1.3 研究思路与方法 ........................................................................................................................... 5 1.3.1 研究内容 ................................................................................................................................ 5 1.3.2 研究方法 ................................................................................................................................ 5 1.4技术路线图 .................................................................................................................................... 6 第二章相关理论概述 .............................................................................................................................. 7 2.1 商业银行操作风险 ....................................................................................................................... 7 2.1.1 操作风险的定义 .................................................................................................................... 7 2.1.2 操作风险的分类 .................................................................................................................... 7 2.2 操作风险管理 ............................................................................................................................... 8 2.2.1 操作风险管理的定义 ............................................................................................................ 8 2.2.2 操作风险管理的过程 ............................................................................................................ 8 2.2.3 操作风险管理的框架 ............................................................................................................ 9 2.3 操作风险管理相关理论阐述 ..................................................................................................... 10 2.3.1 内部控制理论 ...................................................................................................................... 10 2.3.2 委托代理理论 ...................................................................................................................... 11 2.3.3 全面风险管理理论 .............................................................................................................. 12 第三章 ZG银行滁州支行操作风险管理评价 .................................................................................... 13 3.1 评价的目的和方法 ..................................................................................................................... 13 3.2 操作风险事件发生频率 ............................................................................................................. 13 3.3 操作风险时间影响强度 ............................................................................................................. 15 第四章 ZG银行滁州支行的操作风险管理 ........................................................................................ 19 4.1 ZG银行滁州支行操作风险管理现状 ........................................................................................ 19 4.1.1 操作风险管理的组织架构 .................................................................................................. 19 4.1.2 操作风险管理的相关制度 .................................................................................................. 21 ZG银行滁州支行操作风险管理研究 IV 4.2 ZG银行滁州支行操作风险管理的内外部检查 ........................................................................ 22 4.2.1 内外部检查体系概况 .......................................................................................................... 22 4.2.2 内部检查中存在的问题 ...................................................................................................... 23 4.2.3 外部检查中存在的问题 ...................................................................................................... 25 4.3 ZG银行滁州支行操作风险管理存在问题描述 ........................................................................ 25 4.3.1 流程层面因素 ...................................................................................................................... 25 4.3.2 人