摘要
操作风险控制是商业银行工作的重中之重，也是商业银行的生命线。近些年，随着
我国商业银行的快速发展和分行数量的不断增多，素质参差不齐的银行职员和不成熟不
规范的操作程序造成了我国商业银行的操作风险呈现出不断上升的趋势，对储户的经济
权益和银行的信用造成了极大的负面影响

本研究以中信银行河北分行作为研究对象对我国商业银行的操作风险进行研究，分
析中信银行河北分行操作风险控制的具体情况，发现中信银行河北分行在柜台业务、信
用卡业务、信贷业务和审计业务中存在着操作风险问题。在研究中总结了中信银行河北
分行在操作风险控制中的经验和教训，得出了中信银行河北分行发生操作风险的原因，
主要包括：一是银行操作风险认识不足；二是银行操作风险监管机制不健全；三是银行
操作风险控制方法落后；四是银行内部管理问题突出。在对分行操作风险测算的基础上，
通过对中信银行河北分行的具体案例研究，结合我国商业银行操作风险的问题与原因，
提出了控制中信银行河北分行操作风险的政策建议；一是提高操作风险控制意识，加强
银行工作人员的职业道德自律；二是加强组织建设，形成操作风险控制组织体系；三是
规范银行内部操作流程，降低操作风险；四是加强信息网络安全建设，避免信息网络操
作风险；五是建立操作风险应急处置预案，控制操作风险的负面影响

本研究选择商业银行操作风险控制作为研究题目，以中信银行河北分行作为研究样
本，分析中信银行河北分行操作风险的现状与发生原因，根据症结所在，提出控制中信
银行河北分行操作风险的政策建议，希望对商业银行的稳定发展具有一定的理论和现实
意义

关键词：商业银行；操作风险；中信银行河北分行；信用OPERATION RISK AND CONTROL RESEARCH
OF CHINA CITIC BANK, HEBEI BRANCH
ABSTRACT
Operational risk control is the most important work of commercial banks.It is the
lifeblood of commercial banks. In recent years, with the rapid development of China&39;s
commercial banks and increasing the number of branches, the uneven quality of bank staff
and non-standard operating procedures caused the operational risk of commercial banks rise.
Operational risk of credit and bank depositors economic interests caused great negative
impact.
In this study, Hebei Branch of China CITIC Bank for the study of China&39;s commercial
banks operational risk study. This study analyzes the specific circumstances of Hebei Branch
of China CITIC Bank Operational Risk Control, found that China CITIC Bank branch in
Hebei counter business, credit card business, credit services and audit services exist in
operational risk issues. Hebei Branch of China CITIC Bank summed up the experience and
lessons learned in operational risk control in the study, we figured out why the Hebei branch
of China CITIC Bank occurrence of operational risk, mainly include: First, the lack of
knowledge of operational risk; Second, the operational risk regulatory mechanism is not
perfect; Third, the operational risk control methods backward; Fourth, the bank&39;s internal
management issues outstanding. Through specific case studies Hebei branch of China CITIC
Bank, China&39;s commercial banks combined with the problem of operational risk and the
reasons put forward policy recommendations Hebei Branch of China CITIC Bank to control
operational risk, mainly include: First is to raise awareness of operational risk control,
self-discipline to strengthen ethical bank staff;;Second is to strengthen the organization and
develop a system of operational risk control organization; Third, standardize the bank&39;s
internal operational processes, reduce operational risks; Fourth is to strengthen the
construction of information network security, avoid information network operational risk;;
Fifth is to establish operational risk emergency response plans to control the negative impact
of operational risk.
In this study, the commercial banks operational risk control as a research subject in
Hebei Branch of China CITIC Bank as samples, analyzes the status quo of Hebei Branch of
China CITIC Bank operational risk and causes. In this study, according to the crux of the
proposed control Hebei branch of China CITIC Bank operational risk policy proposals in thehope of having a certain theoretical and practical significance to the steady development of
commercial banks.
KEY WORDS: Commercial banks, Operational risk, Hebei Branch of China CITIC Bank,
Credit目 录
第一章 导论....1
1.1 研究背景........... 1
1.2 研究目的........... 2
1.3 研究意义........... 2
1.3.1 理论意义. 2
1.3.2 现实意义. 3
1.4 国内外研究综述........... 4
1.4.1 国内研究综述..... 4
1.4.2 国外研究综述..... 5
1.5 研究框架........... 5
1.6 研究方法........... 5
1.6.1 文献研究法......... 5
1.6.2 个案研究法......... 5
1.6.3 比较研究法......... 6
第二章 基
。。。以上简介无排版格式，详细内容请下载查看