| 浅谈商业银行操作风险中欺诈事件发生的成因及对策 |
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| 引用本文： | 闫锦.浅谈商业银行操作风险中欺诈事件发生的成因及对策[J].陕西教育学院学报,2009,25(4):43-46. |
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| 作者姓名： | 闫锦 |
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| 作者单位： | 长安银行总行法律与合规部,陕西西安,710075;中国政法大学国际法学院,北京,100088 |
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| 摘 要： | 《新巴塞尔协议》实施至今已近5年,但我国商业银行操作风险管理状况仍不容乐观。本文从操作风险损失事件中的欺诈问题入手,通过对2000年至今发生的部分操作风险损失事件数据进行分析,结合商业银行操作风险管理现状,总结出内部欺诈与外部欺诈事件的发生成因,认为可通过完善商业银行操作风险管理架构、打造操作风险管理文化、强化风险防控能力的措施来提高银行的操作风险管理水平。
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| 关 键 词： | 商业银行 操作风险 欺诈事件 |
Brief Analysis on Reasons and Solutions to the Fraud Events of Operational Risk Management (ORM) in Chinese Commercial Banks |
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| YAN Jin.Brief Analysis on Reasons and Solutions to the Fraud Events of Operational Risk Management (ORM) in Chinese Commercial Banks[J].Journal of Shaanxi Institute of Education,2009,25(4):43-46. |
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| Authors: | YAN Jin |
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| Institution: | YAN Jin (1. Staff of Chang＇an Bank, Xi＇an 710061, China; 2. Facolty of Internationallay, Cupl, Beijing 100088, China) |
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| Abstract: | The current condition of operational risk management in the Chinese commercial banks has still been unpromising since the Basel Accord II put into practice five years ago.The essay makes the analysis on the ORM loss event data from 2000 in the perspective of the fraud in the ORM loss events.Meanwhile,under the current condition of ORM in the commercial banks,it has summarized the underlying reasons resulting the internal fraud and external fraud.Suggestions have been put forward to upgrade the ORM standards by improving the ORM structure,establishing the ORM culture and strengthening risk precaution and control capability. |
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| Keywords: | commercial Bank operational risk fraud |
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