A行宁夏分行集中运营模式下操作风险管理研究

发布时间：2018-01-20 01:24

本文关键词： 运营改革流程再造集中运营操作风险　出处：《宁夏大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着A行运营体系改革的不断深化,以“集中作业、集中授权、集中监控”为重点的集中运营格局初步建立,传统的运营监管模式已不能满足操作风险的多样性、复杂性和关联性的变化特点,加之,我国商业银行运营集中改革起步较晚,与发达国家相比,还处于初级阶段,加强集中运营模式下操作风险管理体系建设,直接关系到新形势下业务运营的安全与高效,直接影响到商业银行的市场形象和综合竞争力。近年来,A银行不断有案件发生,给A银行造成了严重的损失,从案件类型来看,运营操作风险主要集中在外部欺诈、违规操作、内外勾结等方面,运营领域操作风险已成为威胁商业银行生存与发展的重大风险。因此,为推动A银行经营转型和有效发展打好运营基础,强化集中运营模式下操作风险管理体系建设,防范操作风险已刻不容缓。目前,我国商业银行都在进行运营体系改革,积极推进流程优化和系统改造,运营操作风险呈现出新情况、新特点,国内外研究方向主要集中在传统模式下操作风险的研究,尤其是集中运营模式还处于初级阶段的商业银行,对于新形势下运营操作风险管理还缺乏清晰的思路及理论。为此,本文以笔者所从事的行业为背景,结合MBA理论学习和工作实践,深化运营操作风险理论认识,对集中运营模式下操作风险管理中存在的问题进行深入剖析,借鉴国际和国内商业银行操作风险管理的理论成果和实践经验,制定符合A行实际的对策与措施,来防范和化解操作风险,切实提高操作风险管理能力和水平。
[Abstract]:With the deepening of the reform of Bank A's operation system, the centralized operation pattern focusing on "centralized operation, centralized authorization and centralized monitoring" has been preliminarily established. The traditional operation supervision mode can not meet the diversity of operational risk, complexity and relevance of the change characteristics. In addition, the centralized reform of commercial banks in China started late, compared with the developed countries. It is still in the primary stage. Strengthening the construction of operational risk management system under the centralized operation mode is directly related to the security and efficiency of business operations under the new situation. It directly affects the market image and comprehensive competitiveness of commercial banks. In recent years, Bank A continues to have cases, causing serious losses to Bank A, from the perspective of the types of cases. Operational risks are mainly concentrated in external fraud, illegal operations, internal and external collusion and other aspects, operational risk has become a major threat to the survival and development of commercial banks. In order to promote the operation transformation and effective development of Bank A to lay a good operation foundation, strengthen the operation risk management system construction under the centralized operation mode, it is urgent to guard against the operational risk. China's commercial banks are carrying out operational system reform, actively promoting process optimization and system transformation, operational risk presents a new situation, new characteristics. The research direction at home and abroad is mainly focused on the operation risk research under the traditional mode, especially the commercial banks which are still in the initial stage of centralized operation mode. For the new situation of operational risk management is still lack of clear ideas and theories. Therefore, this paper takes the industry as the background, combined with the MBA theory learning and work practice. Deepening the operational risk theory understanding, operating risk management under the centralized mode of in-depth analysis of operational risk management problems, learn from the international and domestic commercial banks operating risk management theory and practical experience. To formulate countermeasures and measures in line with the actual situation of Bank A, to prevent and resolve operational risks, and to improve the ability and level of operational risk management.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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