H银行操作风险管控分析

发布时间：2018-01-01 11:01

本文关键词：H银行操作风险管控分析　出处：《黑龙江大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，随着我国对外开放进一步加深，，我国的金融企业进入了高速发展的辉煌时期，银行业利润收入近几年一直排在各行业领先地位，特别是以城市商业银行为代表的中小银行发展更为迅速。作为大型国有商业银行及股份制银行提供金融服务的有力补充，中小银行能够弥补大型商业银行机构布局不足，服务对象单一的劣势，它们以其“立足当地、服务中小、扶持三农”的特点，为国家宏观经济政策及民生政策的落实起到了不可或缺的作用。本文重点研究了以H银行为代表的中小银行在快速发展过程遇到的操作风险管控难点，结合了H银行近几年发生的风险事件案例，指出了内控制度建设、监督评估机制、业务流程管理及人员培训等方面对操作风险的影响，运用国内外先进的操作风险管理理论，提出了运用一个内部层次和三个外部层次建立操作风险管控体系架构的思路，并对H银行操作风险管控工作提出合理化建议。文章采用理论与实践相结合的写作方法，通过对国内外操作风险管控理论的对比分析，找出适合H银行操作风险管理的方式、方法，希望通过对以H银行为代表的中小银行进行深入分析，探寻出适合我国中小银行自身特点的操作风险管控有效手段。
[Abstract]:In recent years, with the deepening of China's opening to the outside world, China's financial enterprises have entered a brilliant period of rapid development, banking profit income in recent years has been ranked in the leading position in various industries. Especially the small and medium-sized banks, represented by the city commercial banks, are developing more rapidly. As a powerful supplement to the large state-owned commercial banks and joint-stock banks to provide financial services. Small and medium-sized banks can make up for the shortage of large commercial bank organization layout and the single disadvantage of service object. They have the characteristics of "based on local, small service, supporting agriculture, countryside and farmers". For the implementation of national macroeconomic policy and people's livelihood policy has played an indispensable role. This paper focuses on the small and medium-sized banks represented by H bank in the rapid development process of operational risk management difficulties, combined with H bank in recent years of risk events, pointed out the construction of internal control system. Supervision and evaluation mechanism, business process management and personnel training and other aspects of operational risk impact, the use of domestic and foreign advanced operational risk management theory. Put forward the idea of using one internal level and three external levels to establish the operational risk management system architecture. And put forward reasonable suggestions to H bank operation risk control work. This article adopts the writing method of combining theory and practice, through the comparative analysis of the domestic and foreign operational risk control theory. To find out suitable for H bank operational risk management methods, hope through the H bank as the representative of the small and medium-sized banks in-depth analysis. To find out suitable for our own characteristics of small and medium-sized banks operational risk control effective means.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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