商业银行作为经营金融资产和负债的机构，风险也随之诞生。近年来，作为商业银行风险之一的操作风险在银行业金融机构日常的经营业务过程中所造成的损失日益严重，越来越受到银行业金融机构与有关监管部门的重视。加强操作风险管理，有利于维护正常的金融秩序。对WS银行进行操作风险研究，降低操作风险造成的损失也就是间接地加强WS银行的竞争力，实现稳健、快速发展。 　　　WS银行是经中国人民银行批准设立的山东省一家具有独立法人资格的地方性股份制商业银行，其发展初期注重业务的快速发展，操作风险管理起步较晚，操作风险管理体系仍需不断完善。本文阐述了操作风险的国内外研究现状，并对其进行了述评。从操作风险的定义、操作风险的特征、操作风险的种类介绍了商业银行操作风险管理的相关理论。总结了WS银行的基本情况以及从操作风险的识别、评估、监测和控制方面简要说明了WS银行操作风险管理的流程。主要分析了WS银行操作风险管理的现状和存在的问题。从人员素质不高、制度执行不力、组织架构不合理、流程不规范、技术系统老化、外部欺诈等方面说明了存在问题的原因。最后针对现有的不足之处从确立有效的操作风险的识别、评估与监测方法，实行组织架构改革，完善内部管理与加强外部监管等方面提出了相应的政策和措施。 　　　本文结合笔者自身从事银行工作的经历，提出了贝叶斯网络模型，并举例说明将其应用于识别监测操作风险的实践当中；在原有的组织架构已不能适应当前WS银行快速发展的条件下，提出了改革组织架构方面的建议，将WS银行分为运行、控制、保障、业务拓展四大条线；提出了构建积极的合规文化，加强内部制度建设来减少因人员、制度因素等引发的操作风险。希望能对WS银行跻身先进银行的发展行列有所帮助。

Commercial banks as the institution of financial assets and liabilities, risk was born with it. In last several years, operational risk as one of the risks of commercial banks in financial business development makes huge loss. The managers and related supervisors of commercial banks pay more and more attention to the operational risk. In the current society, reducing the operating risk can indirectly enhance the competitiveness of financial institutions. 　　　WS bank is approved the establishment of the Shandong Province by the people's Bank of China. It pays attention to the rapid development of business in the early developments which do not concern with operational risk. So the operation risk management’s system still needs to be perfected ceaselessly. This article from the definition, characteristics and the type of operational risk introduced international operational risk management theory. It describes the WS bank's basic situation and its operational risk management processes. It mainly analyzed the status of operational risk management of WS bank and the main problems. WS bank has not the perfect identification and evaluation mechanism and the department in charge of the function confusion. From the aspects of personnel management, execution, organization structure and process it explains the existence of the problem. According to the deficiencies of operational risk it finds out the policies and measures. 　　　The author who has a long experience puts forward the construction of perfect operational risk management system of WS bank. The article proposes Bayes network model to assess the operational risk and puts forward the reform framework .It makes the best to build the active compliance culture to strengthen the construction of the internal system. This paper aims to reduce the operational risk losses.