【作者】 李丽；

【导师】 赵智宏；

【作者基本信息】 宁夏大学 ， 工商管理（专业学位）， 2016， 硕士

【摘要】 随着A行运营体系改革的不断深化,以“集中作业、集中授权、集中监控”为重点的集中运营格局初步建立,传统的运营监管模式已不能满足操作风险的多样性、复杂性和关联性的变化特点,加之,我国商业银行运营集中改革起步较晚,与发达国家相比,还处于初级阶段,加强集中运营模式下操作风险管理体系建设,直接关系到新形势下业务运营的安全与高效,直接影响到商业银行的市场形象和综合竞争力。近年来,A银行不断有案件发生,给A银行造成了严重的损失,从案件类型来看,运营操作风险主要集中在外部欺诈、违规操作、内外勾结等方面,运营领域操作风险已成为威胁商业银行生存与发展的重大风险。因此,为推动A银行经营转型和有效发展打好运营基础,强化集中运营模式下操作风险管理体系建设,防范操作风险已刻不容缓。目前,我国商业银行都在进行运营体系改革,积极推进流程优化和系统改造,运营操作风险呈现出新情况、新特点,国内外研究方向主要集中在传统模式下操作风险的研究,尤其是集中运营模式还处于初级阶段的商业银行,对于新形势下运营操作风险管理还缺乏清晰的思路及理论。为此,本文以笔者所从事的行业为背景,结合MBA理论学习和工作实践,深化运营操作风险理论认识,对集中运营模式下操作风险管理中存在的问题进行深入剖析,借鉴国际和国内商业银行操作风险管理的理论成果和实践经验,制定符合A行实际的对策与措施,来防范和化解操作风险,切实提高操作风险管理能力和水平。更多还原

【Abstract】 With the continuous deepening of the reform of the A banking system, Focused on "centralized operations, centralized authorization, centralized monitoring" focused on the establishment of a centralized operational pattern, Traditional operation and management mode has been unable to meet the operational risk of the diversity, complexity and associated changes. In addition, centralized operation of China’s commercial bank reform started late, compared with the developed countries, is still in the primary stage, strengthen the centralized operation mode under the operational risk management system construction, is directly related to under the new situation of business operation safety and efficiency directly affect to commercial bank’s market image and competitiveness.In recent years, a bank will continue to have the case, to a bank caused serious losses, from the point of view of the types of cases, operation risk mainly concentrated in the external fraud, illegal operations, collusion and other aspects, operation in the field of operational risk has become threat to the survival of commercial banks and the development of significant risk. Therefore, in order to promote the transformation and effective development of A banking operations to lay a good foundation, strengthen the operational model of operational risk management system construction, to guard against operational risks has become urgent.At present, China’s commercial banks are in a reform of the operating system, and actively promote the process optimization and system innovation, operational risk showing a new situation, new characteristics and research direction at home and abroad are mainly concentrated in the traditional mode of operational risk research, especially focused on operational mode is still in the primary stage of commercial banks, under the new situation of operational risk management is also a lack of clarity of thought and theory. This paper to the author is engaged in the industry as the background, unifies the MBA study of theory and practice, deepening the understanding of the operation of risk theory, under the centralized operation mode operation problems existing in the risk management of in-depth analysis, from the theoretical achievements and practical experience in international and domestic commercial bank operational risk risk management, develop in line with a line of practical countermeasures and measures, to prevent and defuse the risk of operation, and effectively improve the operational risk management ability and level.更多还原