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近年来,随着世界经济全球化和我国经济的不断发展,我国国有商业银行面临着很大的操作风险,而操作风险又存在与商业银行经营管理的所有领域,因此,防范操作风险的发生,是目前我国商业银行风险防范的首要内容。降低操作风险的发生最重要的条件就是加强银行的内部控制,只有制定完善的、合理的内部控制管理机制,才能有效的降低操作风险的发生。通过调查表明,降低操作风险为我国国有商业银行加强内部控制、提升控制操作风险的效率,提供了坚实可靠的理论基础。本文通过对我国国有商业银行内部控制与操作风险控制进行探讨和研究,对此做出相应的对策。
In recent years, with the globalization of the world economy and the continuous development of China’s economy, the state-owned commercial banks in our country are faced with a great deal of operational risk while operational risk exists in all areas of commercial banks’ operation and management. Therefore, to prevent the occurrence of operational risks, It is the primary content of risk prevention of commercial banks in our country at present. The most important condition for reducing the operational risk is to strengthen the bank’s internal control. Only by formulating a sound and reasonable internal control management mechanism can operational risk be effectively reduced. The investigation shows that reducing operational risk provides a solid and reliable theoretical basis for our state-owned commercial banks to strengthen their internal control and enhance the efficiency of controlling operational risk. This paper discusses and studies the internal control and operational risk control of the state-owned commercial banks in our country, and makes countermeasures accordingly.