The operating risk, equivalent to credit risk and market risk, has become one of the three risks of banking and how to operate risk management has become a highlighted issue discussed by academe and business circles.

• 摘要操作风险已成为与信用风险、市场风险并列的银行业三大风险，如何进行操作风险管理已是学术界和实业界讨论的热点问题之一。