ORM 作业风险管理指南 Guidelines on Operational Risk Management 澳大利亚OEMB和FMA出版

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Guidelines on

Operational Risk

Management

≈√

FMA

These guidelines were prepared by the Oesterreichische Nationalbank

in cooperation with the Financial Market Authority

Published by:

Oesterreichische Nationalbank (OeNB)

Otto-Wagner-Platz 3, 1090 Vienna, Austria

Austrian Financial Market Authority (FMA)

Praterstraße 23, 1020 Vienna, Austria

Produced by:

Oesterreichische Nationalbank

Editor in chief:

Günther Thonabauer, Communications Division (OeNB)

Barbara Nösslinger, Staff Department for Executive Board Affairs and Public Relations (FMA)

Editorial processings:

Chapter I and III: Roman Buchelt, Stefan Unteregger (OeNB)

Chapter II and IV: Wolfgang Fend, Radoslaw Zwizlo, Johannes Lutz (FMA)

Design:

Peter Buchegger, Communications Division (OeNB)

Typesetting, printing and production:

OeNB Printing Ofﬁ ce

Published and printed at:

Otto-Wagner-Platz 3, 1090 Vienna, Austria

Inquiries:

Oesterreichische Nationalbank

Communications Division

Otto-Wagner-Platz 3, 1090 Vienna, Austria

Postal address: Post Ofﬁ ce Box 61, 1011 Vienna, Austria

Phone (+43-1) 40420-6666

Telefax (+43-1) 40420-6696

Austrian Financial Market Authority (FMA)

Executive Board Affairs & Public Relations Division

Praterstraße 23, 1020 Vienna, Austria

Phone (+43-1) 24959-5100

Orders:

Oesterreichische Nationalbank

Documentation Management and Communications Services

Otto-Wagner-Platz 3, 1090 Vienna, Austria

Postal address: Post Ofﬁ ce Box 61, 1011 Vienna, Austria

Phone (+43-1) 40420-2345

Telefax (+43-1) 40420-2398

Internet:

http://www.oenb.at

http://www.fma.gv.at

Paper:

Salzer Demeter, 100% woodpulp paper, bleached without chlorine, acid-free, without optical whiteners

DVR 0031577

Given the rising complexity of banking, which results from international-

ization, expansion and change in business activities, the increasing use of inno-

vative ﬁ nancial products (securitized products, credit derivatives, structured

products) and the signiﬁ cance of modern information technologies, the new

regulatory capital framework (Basel II) also includes requirements for risk

management as well as a regulatory capital charge for “operational risk”.

In part, this risk category has already been studied in internal risk analyses.

Depending on the size and complexity of a bank, the response to operational

risks may require considerable changes, such as the adaptation of systems and

processes as well as, above all, the further development and integration of risk

management methods.

The present guidelines on “Operational Risk Management” are to

support banks in designing and adapting the systems and processes required

when they implement Basel II. The issues presented are in line with interna-

tional developments in banking that focus on a comprehensive approach to,

and the optimum handling of, operational risks so that their implementation

would make sense even in the absence of new capital requirements.

The purpose of these guidelines is to develop a common understanding

shared by supervisory authorities and banks with regard to the forthcoming

changes in banking. In this context, the Oesterreichische Nationalbank (OeNB)

and the Financial Market Authority (FMA) see themselves as partners to Aus-

tria’s credit industry.

It is our sincere hope that these guidelines provide interesting reading as

well as a basis for the efﬁ cient discussion of current changes in the Austrian

banking sector.

Vienna, August 2006

Josef Christl Kurt Pribil,

Member of the Governing Board Heinrich Traumüller

of the Oesterreichische Nationalbank FMA Executive Board

Preface

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标签： #操作风险 #风险管理 #风险评估

摘要：

本指南由澳大利亚OEMB（运营风险管理机构）与FMA（金融市场协会）联合出版，系统阐述了ORM（操作风险管理）框架的核心原则与实践方法。内容涵盖风险识别、评估、监控及缓解策略，特别针对金融与非金融行业在复杂运营环境中的潜在操作风险，如流程失误、系统故障、人为错误与外部事件。指南强调构建结构化风险管理文化，结合监管合规要求（如巴塞尔协议相关标准）与企业内部控制最佳实践，提供可操作的风险分类、关键风险指标（KRI）设定、情景分析与压力测试工具。适用于企业风险管理团队、合规审计人员及高级管理层，旨在帮

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