烟台银行操作风险案例及启示

摘要

With diversified economic development, joint-stock commercial banks are increasing in China. But the rapid development of small and medium-sized commercial banks also brings about some risks. Yantai Bank is one of the joint-stock commercial banks and se-rious crimes concerning power abuse for personal gains have happened in the bank from 2008 to 2012. The main reason is that Yantai Bank did not take operational risks as a key of risk management, so there was no check and supervision posts be set, no strict system of management and performance, and no inspection and disclosure procedures for transactions. Small and medium-sized commercial banks should promote the prevention awareness of operational risks, improving internal control and enhance corporate governance, having ap-proval managers check and balance on each other. In the meantime, they should invest more in technologies for curbing operational risks, carry out shift system for important posts and encourage social supervision.%随着我国经济的多元化发展，股份制商业银行越来越多，而中小型商业银行的迅速发展也造成了一些风险问题。烟台银行做为一家股份制商业银行，在2008年到2012年屡次出现管理层利用职务之便以权谋私的操作风险大案。主要原因在于烟台银行没有将操作风险作为风险管理的重点，岗位设置缺乏制约；没有严格的管理和执行制度，缺乏对交易的审核和披露等。我国中小型商业银行应加快提高银行对操作风险防控的意识，完善银行的内控管理；加强公司治理，审批负责人互相牵制；加大操作风险的科技投入，加快落实重要岗位轮岗制度，增强社会监督的作用。