| Summary: | 碩士 === 國立暨南國際大學 === 管理學院經營管理碩士學位學程碩士在職專班 === 100 === The Basel II was finalized in June 2004 and introduced in the year 2007. It solved the controversial definition of “operation risk” and clearly defines a parameter for the subject.
In the past Domestic banks has tried to quantity operational risk，but are facing difficulties due to poor internal database in both quality and quantity, which leads to inability to build a working external database. Due to the implementation of Basel II, we referenced the practices of international finance companies and verify that by establishing "external operation risk loss database” and sharing the loss results, it can help banks to take precaution measures and proactively discover or prevent operational risks. Thus, our banks have started an “operation risk loss data” collection project since July 1, 2010. The author uses his own experience and the data collect of “external operation risk loss database” until November 17, 2011 by the Joint Credit Information Center to support this finding.
Loss, regardless of the degree of influence, for the operating division, is a complete disappearance of revenue. In order to reduce or avoid losses, learning from others, carefully planned in advance and following through in implementation, can effectively minimize the expected risk, and thus the loss to a minimum.
Implementation of operational risk management and a well establishing financial system helps prevent financial turmoil and Bank drawbacks. The final result is improving the protection everyone’s money and property, which is the ultimate goal of the research.
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