商业银行作为经营金融资产和负债的机构，风险也随之诞生。近年来，作为商业银行风险之一的操作风险在银行业金融机构日常的经营业务过程中所造成的损失日益严重，越来越受到银行业金融机构与有关监管部门的重视。在现代竞争激烈的社会，降低操作风险造成的损失也就是间接地提高金融机构的竞争力，提升金融机构的服务质量。中小银行发展初期注重业务的快速发展，操作风险管理起步较晚，操作风险管理水平较低，操作风险管理体系仍需不断完善。%Commercial banks as the institution of financial assets and liabilities, risk was born with it. In recent years, operational risk as one of the risks of commercial banks in financial business development makes huge loss. The managers and related supervisors of commercial banks pay more and more attention to the operational risk. In the current society, reducing the operating risk can indirectly enhance the competitiveness of financial institutions. Joint-stock banks pay attention to the rapid development of business in the early developments which do not concern operational risk. So the management of operational risk is in a low position and the operation risk management’s system still need to be perfected ceaselessly.
展开▼
