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Notice of China Banking Regulatory Commission (CBRC) on Issuing the Guidelines on the Operational Risk Management of Commercial Banks | | 中国银监会关于印发《商业银行操作风险管理指引》的通知 |
(No. 42 [2007] of the China Banking Regulatory Commission) | |
（银监发〔2007〕42号） |
To: all local CBRC offices and all policy banks, state-owned commercial banks, shareholding commercial banks and postal savings banks: | |
各银监局，各政策性银行、国有商业银行、股份制商业银行，邮政储蓄银行： |
In order to strengthen the operational risk management of commercial banks and drive commercial banks to further improve their corporate governance and escalate their management capability, the CBRC has made the Guidelines on the Operational Risk Management of Commercial Banks, which are now available in print and hereby issued to you for compliance and implementation. | |
为加强商业银行的操作风险管理，推动商业银行进一步完善公司治理结构，提升风险管理能力，银监会制定了《商业银行操作风险管理指引》，现印发给你们，请遵照执行。 |
All local CBRC offices shall forward this Notice to all urban commercial banks, rural commercial banks, rural cooperative banks, rural credit cooperatives, urban credit cooperatives, wholly foreign-funded banks, Chinese-Foreign Joint Venture Banks and principal reporting banks of branches of foreign banks, within their respective jurisdictions. | |
请各银监局将本通知转发至辖内各城市商业银行、农村商业银行、农村合作银行、农村信用社、城市信用社、外资独资银行、中外合资银行和外国银行分行主报告行。 |
May 14, 2007 | |
二○○七年五月十四日 |
Guidelines on the Operational Risk Management of Commercial Banks | |
商业银行操作风险管理指引 |
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| Chapter I General Provisions | | 第一章 总则 |
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| Article 1 In order to strengthen the operational risk management of commercial banks, these Guidelines have been made in accordance with the Banking Supervision Law of the People's Republic of China, the Law on Commercial Banks of the People's Republic of China and other relevant laws and regulations. | | 第一条 为加强商业银行的操作风险管理，根据《中华人民共和国银行业监督管理法》、《中华人民共和国商业银行法》以及其他有关法律法规，制定本指引。 |
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| Article 2 These Guidelines shall apply to the Chinese-funded commercial banks, wholly foreign-funded banks and Chinese-foreign joint venture banks formed within the territory of the People's Republic of China. | | 第二条 在中华人民共和国境内设立的中资商业银行、外商独资银行和中外合资银行适用本指引。 |
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| Article 3 The operational risk mentioned in these Guidelines shall refer to the risk of loss resulting from inadequate or failed internal processes, staff or information technology systems or from external events. The operational risk as so herein defined shall include legal risk, but exclude strategic risk and reputational risk. | | 第三条 本指引所称操作风险是指由不完善或有问题的内部程序、员工和信息科技系统，以及外部事件所造成损失的风险。本定义所指操作风险包括法律风险，但不包括策略风险和声誉风险。 |
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| Article 4 China Banking Regulatory Commission (CBRC) shall legally supervise and inspect the operational risk management of commercial banks, and assess the efficacy of the operational risk management of commercial banks. | | 第四条 中国银行业监督管理委员会（以下简称银监会）依法对商业银行的操作风险管理实施监督检查，评价商业银行操作风险管理的有效性。 |
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| Chapter II Operational Risk Management | | 第二章 操作风险管理 |
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| Article 5 As required by these Guidelines, a commercial bank shall establish an operational risk management framework that is appropriate for its nature, scale and complexity of activities so as to effectively identify, assess, monitor and control/mitigate operational risks. Though not required to be uniform, the specific operational risk management framework shall include at least the following essential elements: | | 第五条 商业银行应当按照本指引要求，建立与本行的业务性质、规模和复杂程度相适应的操作风险管理体系，有效地识别、评估、监测和控制/缓释操作风险。操作风险管理体系的具体形式不要求统一，但至少应包括以下基本要素： |
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| (a) Oversight and control by the board of directors; | | （一）董事会的监督控制； |
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| (b) Responsibilities of the senior management; | | （二）高级管理层的职责； |
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| (c) Proper organizational structure; | | （三）适当的组织架构； |
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| (d) Operational risk management policies, methods and procedures; and | | （四）操作风险管理政策、方法和程序； |
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| (e) Provisions on setting aside the funds necessary for the operational risks. | | （五）计提操作风险所需资本的规定。 |
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| Article 6 The board of directors of a commercial bank shall regard the operational risk as a major risk faced by the commercial bank, and shall be ultimately responsible for the efficacy of monitoring the operational risk management. The major responsibilities of a board of directors shall include: | | 第六条 商业银行董事会应将操作风险作为商业银行面对的一项主要风险，并承担监控操作风险管理有效性的最终责任。主要职责包括： |
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| (a) Making the strategies and overall policies on the operational risk management that are consistent with the bank's strategic targets and applicable throughout the bank; | | （一）制定与本行战略目标相一致且适用于全行的操作风险管理战略和总体政策； |
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| (b) Through the systems of examining and approving and inspecting the responsibilities, powers and reports related to the operational risks of the senior management, ensuring the efficacy of the decision making system of the operational risk management throughout the bank, and ensuring as greatest possible that the operational risks faced by the various businesses of the bank are controlled to the sustainable extent; | | （二）通过审批及检查高级管理层有关操作风险的职责、权限及报告制度，确保全行的操作风险管理决策体系的有效性，并尽可能地确保将本行从事的各项业务面临的操作风险控制在可以承受的范围内； |
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| (c) Regularly reviewing the reports on operational risks submitted by the senior management to fully understand the overall condition of the operational risk management of the bank and the efficacy of the senior management dealing with major operational risk events and monitoring and assessing the daily operational risk management; | | （三）定期审阅高级管理层提交的操作风险报告，充分了解本行操作风险管理的总体情况、高级管理层处理重大操作风险事件的有效性以及监控和评价日常操作风险管理的有效性； |
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| (d) Ensuring the senior management to take necessary measures to effectively identify, assess, monitor and control/mitigate the operational risks; | | （四）确保高级管理层采取必要的措施有效地识别、评估、监测和控制/缓释操作风险； |
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| (e) Ensuring the bank's operational risk management framework to be effectively audited and overseen by the internal audit department; and | | （五）确保本行操作风险管理体系接受内审部门的有效审查与监督； |
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| (f) Establishing proper reward and punishment systems to effectively boost the building of the operational risk management framework throughout the bank. | | （六）制定适当的奖惩制度，在全行范围有效地推动操作风险管理体系地建设。 |
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| Article 7 The senior management of a commercial bank shall be responsible for implementing the strategies and overall policies on the operational risk management and the framework as approved by the board of directors. The major responsibilities of the senior management shall include: | | 第七条 商业银行的高级管理层负责执行董事会批准的操作风险管理战略、总体政策及体系。主要职责包括： |
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| (a) Being ultimately responsible to the board of director for the daily management of operational risks; | | （一）在操作风险的日常管理方面，对董事会负最终责任； |
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| (b) Pursuant to the strategies and overall policies on the operational risk management made by the board of directors, responsible for making, regularly examining, supervising and executing the policies, procedures and practices for the operational risk management, and regularly submitting to the board of directors the report on the overall condition of operational risks; | | （二）根据董事会制定的操作风险管理战略及总体政策，负责制定、定期审查和监督执行操作风险管理的政策、程序和具体的操作规程，并定期向董事会提交操作风险总体情况的报告； |
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| (c) Fully understanding the overall condition of the bank's operational risk management, especially the various major operational risk events or items; | | （三）全面掌握本行操作风险管理的总体状况，特别是各项重大的操作风险事件或项目； |
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| (d) Expressly defining the responsibilities of the various departments for operational risk management and the channels, frequencies and contents of the operational risk reports, and prompting all departments to actually perform their responsibilities for the operational risk management so as to ensure the normal functioning of the operational risk management framework; | | （四）明确界定各部门的操作风险管理职责以及操作风险报告的路径、频率、内容，督促各部门切实履行操作风险管理职责，以确保操作风险管理体系的正常运行； |
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| (e) Allocating proper resources for operational risk management, including but not limited to providing necessary funds, setting necessary posts, employing qualified personnel, providing training for the operational risk management personnel, and granting the operational risk management personnel powers necessary for them to perform their duties; and | | （五）为操作风险管理配备适当的资源，包括但不限于提供必要的经费、设置必要的岗位、配备合格的人员、为操作风险管理人员提供培训、赋予操作风险管理人员履行职务所必需的权限等； |
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| (f) Timely examining and amending the operational risk management framework so as to effectively respond to the operational risk events of losses resulting from the changes of internal processes, products, business activities, information technology systems, staff, external events and other factors. | | （六）及时对操作风险管理体系进行检查和修订，以便有效地应对内部程序、产品、业务活动、信息科技系统、员工及外部事件和其他因素发生变化所造成的操作风险损失事件。 |
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| Article 8 A commercial bank shall designate a department to be specifically responsible for the establishment and implementation of the operational risk management framework throughout the bank. This department shall be independent of other departments, and ensure the consistency and efficacy of the operational risk management throughout the bank. The major responsibilities of this department shall include: | | 第八条 商业银行应指定部门专门负责全行操作风险管理体系的建立和实施。该部门与其他部门应保持独立，确保全行范围内操作风险管理的一致性和有效性。主要职责包括： |
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| (a) Drafting the policies, procedures and practices for the operational risk management of the bank, and submitting the same to the senior management and board of directors for examination and approval; | | （一）拟定本行操作风险管理政策、程序和具体的操作规程，提交高级管理层和董事会审批； |
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| (b) Assisting other departments in identifying, assessing, monitoring, controlling and mitigating operational risks; | | （二）协助其他部门识别、评估、监测、控制及缓释操作风险； |
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| (c) Establishing and organizing the implementation of the methods for identifying, assessing, mitigating (including internal controls) and monitoring the operational risks and the procedures for operational risk report throughout the bank; | | （三）建立并组织实施操作风险识别、评估、缓释（包括内部控制措施）和监测方法以及全行的操作风险报告程序； |
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| (d) Establishing the basic control standards for operational risks that are applicable throughout the bank, and guiding and coordinating the operational risk management throughout the bank; | | （四）建立适用全行的操作风险基本控制标准，并指导和协调全行范围内的操作风险管理； |
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| (e) Providing all departments with training in respect of operational risk management, and assisting all departments in improving their level of operational risks management and performing their various responsibilities for operational risk management; | | （五）为各部门提供操作风险管理方面的培训，协助各部门提高操作风险管理水平、履行操作风险管理的各项职责； |
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| (f) Regularly examining and analyzing the condition of operational risk management in the business department and other departments; | | （六）定期检查并分析业务部门和其他部门操作风险的管理情况； |
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| (g) Regularly submitting to the senior management the operational risk reports; and | | （七）定期向高级管理层提交操作风险报告； |
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| (h) Ensuring compliance with the operational risk systems and measures. | | （八）确保操作风险制度和措施得到遵守。 |
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| Article 9 The relevant departments of a commercial bank shall be directly responsible for the management of operational risks. The major responsibilities of such a department shall include: | | 第九条 商业银行相关部门对操作风险的管理情况负直接责任。主要职责包括： |
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(a) Designating a person to be specifically responsible for the operational risk management, including compliance with the policies, procedures and practices for operational risk management;
．．．．．． | | （一）指定专人负责操作风险管理，其中包括遵守操作风险管理的政策、程序和具体的操作规程；
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