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近年来,银行业操作风险案件频发,给银行业带来了极大的损失,银行业操作风险逐步引起国内外的广泛关注。本文以我国农村信用社的操作风险为出发点,分以下几个部分:首先,分析我国农村信用社操作风险的现状、操作风险的特点及其存在操作风险的原因。再次,收集整理2000年到2012年所发生在我国农村信用社系统的操作风险损失事件,并对这些事件进行统计分析,最后,本文对今后我国农村信用社加强操作风险管理提供一些建议和对策,以期能够改善农信社系统操作风险管理现状,降低操作风险事件的发生。
In recent years, frequent banking operation risk cases have brought tremendous losses to the banking industry. The banking operational risk gradually aroused widespread concern at home and abroad. Based on the operational risk of rural credit cooperatives in our country, this article divides into the following several parts: First of all, analyzes the current situation of operational risk of rural credit cooperatives in our country, the characteristics of operational risk and the causes of its operational risk. Third, collecting and sorting out the operational risk losses occurred in China’s rural credit cooperative system from 2000 to 2012, and making a statistical analysis of these events. Finally, this article provides some suggestions and countermeasures to strengthen the operational risk management of rural credit cooperatives in the future, With a view to improve the system of rural credit cooperatives operational risk management status and reduce the occurrence of operational risk events.