操作风险几乎涵盖任何问题,比如巨额交易亏损、不良贷款和法律案件,可能严重损害一家银行,例如苏格兰皇家银行(RBS)曾发生的长达几周的计算机故障。“伦敦鲸(London Whale)交易丑闻令摩根大通亏损逾60亿美元,而奎库·阿多博利(Kweku Adoboli)的未授权交易导致瑞银亏损23亿美元。在英国,支付保护险(payment protection insurance)的惨败使整个银行业损失逾100亿英镑。
Regulators are particularly concerned that banks may not have enough capital to cover losses from operational risk and may not be doing enough to tackle potential problems, when many are slashing back-office staff and IT expenditure.
尤其令监管机构担忧的是,银行可能没有足够的资本金来填补操作风险造成的亏损,并且目前在化解潜在问题上可能做得不够,因为许多银行都在大幅削减后台部门员工数量和IT开支。
“Banks are trying to do more with less, so you can see that the risk is very much growing, said Julie Dickson, the top Canadian regulator who has helped lead the charge at the FSB.
加拿大最高金融业监管官员朱莉·迪克森(Julie Dickson)表示:“银行都企图少花钱多办事,所以你可以看到,风险上升得很快。迪克森参与领导了金融稳定委员会加强监管的举动。
“This is about a lot more than capital. It is about what your operational risk group does on a day-to-day basis.
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