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不当行为风险对于中资银行而言属于新鲜事物,目前业界主流观点是将不当行为风险纳入操作风险中进行管理,但两者并非同类风险,操作风险关注银行自身,而不当行为风险关注客户利益。中资银行应考虑将不当行为风险划为独立风险类别,并将其纳入全面风险管理框架。2017年1月,中国银监会出台了《关于规范银行业服务企业走出去加强风险防控的指导意见》(以下简称《指导意见》),旨在规范中资银行境外经营行为,推动中资
Misconduct risk is a novelty for Chinese banks. At present, the mainstream view in the industry is to incorporate misconduct risk into operational risk management. However, the two are not the same type of risk. Operational risk is concerned with the bank itself, and misconduct risks are concerned with the interests of customers. Chinese banks should consider classifying misconduct risk as an independent risk category and include it in a comprehensive risk management framework. In January 2017, China Banking Regulatory Commission (CBRC) promulgated the Guiding Opinions on Regulating the Going out of Banking Service Enterprises to Strengthen Risk Prevention and Control (hereinafter referred to as the Guiding Opinions), which aims at standardizing the overseas operation of Chinese-funded banks and promoting the cooperation between Chinese-