20世纪90年代初，我国实施住房制度改革时，采取了住房公积金制度作为住房体制转换的重要措施。
In the early 1900s, housing accumulation fund system, as the most promising measure for the reformation of the housing system, was carried out in China.
实施20年来，住房公积金制度在我国从计划经济体制下统包统分的福利住房模式，向市场经济体制下住房供应市场化、住房分配货币化的转变过程中，发挥了不可替代的作用，有效推动了住房市场的繁荣发展。
For the following 20 years, the housing system in China transformed from a planned economic based, welfare housing system to a market economic based, monetized housing system. The housing accumulation fund system, which has played an irreplaceable role in the process of this renovation, also promoted the development of the housing market.
但住房公积金制度在缴存、使用和运营过程中并非圆满，而是存在着一系列的实践缺憾。
However, the system has several practical shortcomings in the collection, deposition and operation process.
其中，在操作风险管理方面，由于缺乏完善的监管措施和规范的管理方法，各地公积金中心风险控制水平参差不齐，操作风险事件时有发生。
In particular, Operational risk events occurs due to lack of complete regulatory and management measures, and uneven（inconsistent） standard of risk management procedure for fund centres(公积金中心) across the country.
甚至部分地区出现了巨额资金损失的案件，影响了住房公积金制度的长远健康发展。
As a result, the sustainable growth of the housing accumulation fund system was severely impacted by tremendous amount of capital losses in certain region of China.
考虑到住房公积金资金运作模式与商业银行具有一定的相似性，借鉴金融机构通行做法，建立住房公积金缴存、提取、贷款等资金运营相关操作风险管理机制，对推动住房公积金制度发展、确保资金安全具有重要意义。
In consideration of the capital operational similarities between commercial banks and the fund system, to establish an operational risk management framework which standardize the deposit (collection), withdraw and loan process by using guidance from financial institutions ensure the safety of the fund and further development of the system.

本论文通过梳理我国住房公积金制度及其实施过程中的实际情况，围绕住房公积金各项业务及资金的运营管理特点，对住房公积金操作风险现状进行了深入分析，重点梳理分析了诱发住房公积金操作风险的有关内外部风险因素，并借鉴商业银行操作风险管理理论和实践经验，有针对性的提出了完善住房公积金操作风险管理的政策建议。
This paper analyzes the