国有商业银行信贷业务操作风险的表现形态多种多样,内外部勾结转移资金、皮包公司骗贷、信用证骗汇、员工监守自盗和假按揭等案件时有发生,从风险形成机理对商业银行信贷业务操作风险进行识别,可分为人员操作风险、流程风险、系统风险和外部事件风险等四种类型。 There are various forms of operational risk in state-owned commercial banks ’credit business. Cases involving collateralized transfer of funds inside and outside, loan frauds by handbag companies, fake credit by letters of credit, employee self-defecation and fake mortgages happen from time to time. From the risk formation mechanism, commercial banks’ credit business Operation risk identification, can be divided into four types of personnel operational risk, process risk, system risk and external event risk.