| Summary: | 碩士 === 銘傳大學 === 風險管理與保險學系碩士班 === 102 === This study examines the key risk indicator( KRI ) for operational risk of commercial credit in banking. To attain management and operational goals effectively, banks implement risk management and reduce loss from operational risk of commercial credit by a number of key risk indicators.
According to the literature, the operational risks of commercial finance in financial institutions involve four factors：Operation Process factor, Employee factor, System factor, External factors. There are twenty key risk indicator can be derived from these four factors.
By the Delphi Method, the study conducted with experts in corporate and scholars comes to a consistent key risk indicator:
1. According to the conclusion, the four factors rank by their importance are as follows: Operation Proccess Factors, External Factors, Employee Factors, System Factors. Operation Process factors are the most important factors on operational risk of commercial finance.
2. Experts point out that the most influential KRIs are as follows:
a. product type, transaction condition or transaction process irregularity.
b credit audit and approver do not operate according to their authority.
c. Non-employees use counterfeit personal date to apply credit.
Among these influential KRIs, the use of counterfeit personal date to apply credit is only the external factor.The first two factors belong to operational process factor. They show the negligence of law compliance leads to the default in financial supervision. At the same time, they reveal that banks should pay more attention to risk control and inspection system to reduce mistakes when design operational process.
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