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入市承诺的兑现使得我国金融市场的对外开放度不断提高,本土商业银行面临更加激烈的竞争,这对商业银行的风险管理提出了更高的要求:但基于本土商业银行产权缺位、内部控制机制缺乏,流程设计失当等因素所造成的操作风险日益凸显,所以积极应对并加强商业银行操作风险管理尤为必要。本文以商业银行住房贷款业务为例予以探讨。
The fulfillment of market commitments makes the opening up of China’s financial markets more and more open, and local commercial banks are facing more intense competition. This puts forward higher requirements on the risk management of commercial banks. However, based on the absence of property rights of local commercial banks and the internal control mechanism Lack of operation, process design misconduct and other factors caused by the increasingly prominent operational risk, so actively respond to and strengthen the operational risk management of commercial banks is particularly necessary. This article takes the commercial bank housing loan business as an example to discuss.