摘要摘要上世纪90年代以来，全球经济一体化进程加快、政府部门对金融行业的管制逐渐放宽、金融领域不断发展创新，银行的业务规模不断扩大、其业务更加多元化，银行产品日益翻新，操作风险对银行业的危害就愈发显现。一段时间以来，世界各地的许多银行都经历过由操作风险引起的风险事件，损失的金额和影响的程度是巨大的。与此同时，中国的金融机构风险管理方法都相对落后，管理经验不足，理论不够先进，发现危机和应对危机的应急处理机制均相对低下。操作风险管理能力与国际上优秀的商业银行相比较，仍存在着较大的差距，对操作风险管理和内部控制的认识和手段上仍存在不足。本文对商业银行的风险类型进行了系统的介绍，对操作风险的定义、分类、表现形式进行阐析，系统地总结和归纳了银行风险管理和内部控制的相关理论。随后对工商银行Z分行操作风险管理现状进行介绍，从工商银行Z分行现行操作风险控制体系，各项考核指标着手，分析了存在的问题。根据存在问题从内部控制角度提出解决对策，同时尝试构建业务运营操作风险监控体系，希望能提出更为有效的控制操作风险的对策和建议，完善中国工商银行以至中国商业银行业的操作风险控制制度。关键词：中国工商银行；操作风险；内部控制论文类型：研究类选题来源：自选课题IABSTRACTABSTRACTSincethe1990s,theprocessofglobaleconomicintegrationhasaccelerated,thegovernment'scontroloverthefinancialindustryhasgraduallyrelaxed,thefinancialsectorhascontinuedtodevelopandinnovate,thescaleofbankingoperationshascontinuedtoexpand,businesshasbecomeincreasinglydiversified,andbankingproductshavebeenincreasinglyrefurbished,operationalrisks.Theharmtothebankingindustryisevenmoreapparent.Foratime,manybanksaroundtheworldhaveexperiencedriskeventsduetooperationalrisks,theamountandimpactofthelossisenormous.Atthesametime,China'sriskmanagementmethodsforfinancialinstitutionsarerelativelybackward,managementexperienceisinsufficient,thetheoryisnotadvancedenough,andtheemergencyresponsemechanismsforfindingcrisisandrespondingtothecrisisarerelativelylow.Theoperationalriskmanagementcapabilityisstillcomparedwiththeinternationallyexcellentcommercialbanks.Withalargegap,therearestillshortcomingsintheunderstandingandmeansofoperationalriskmanagementandinternalcontrol.Thispapersystematicallyintroducesthetypesofrisksofcommercialbanks,analyzesthedefinition,classificationandperformanceofoperationalrisks,andsystematicallysummarizesandsummarizestherelevanttheoriesofbankriskmanagementandinternalcontrol.Subsequently,IntroducethestatusquoofoperationalriskmanagementofICBCBranchofIndustrialandCommercialBankofChina.FromthecurrentbusinessriskcontrolsystemofICBC’sICBC,variousevaluationindicatorsbegan.andtheexistingproblemswereanalyzed.Accordingtotheexistingproblems,thecountermeasuresareproposedfromtheperspectiveofinternalcontrol.Atthesametime,wetrytoconstructabusinessoperationoperationriskmonitoringsystem,inordertoproposemoreeffectivecountermeasuresandsuggestionsforcontrollingoperationalrisks,andimprovetheoperationalriskcontrolsystemofICBCandChina'scommercialbankingindustry.KEYWORDS:ICBC；Operationalrisk;Countermeasures；Dissertationtype:ResearchategoryII符号表Subjectsource:OptionaltopicIII目录目录第一章绪论.............................6第一节研究目的及意义............................................................................6一、研究目的................................................................................................6二、研究意义................................................................................................6第二节国内外研究现状..........
