农村信用社操作风险管控研究

发布时间：2018-01-20 09:05

本文关键词： 风险管理操作风险农村信用社　出处：《河北大学》2013年硕士论文　论文类型：学位论文

【摘要】：农村信用社作为联系城乡金融企业，以三农为市场定位，，是农村金融的主要支持者和主要融资平台，风险管理水平的高低与否，对于自身和农村金融市场稳定意义非常重大。农村信用社地处农村、点多面广、成长历程错综复杂、管理体制不顺、整体队伍基础差等客观原因，造成管理经营水平不高、风险管理意识淡薄、内控监督不健全等问题，操作风险问题比国内其他金融机构要复杂的多，面临着巨大的操作风险，形势严峻。尤其是近年来操作风险频发，给农村信用社造成巨大经济损失和声誉损失，严重影响了我国农村信用社的农村商业化改革进程。因此，防范操作风险成了一个十分重要而亟待研究课题，对于控制风险、改善经营环境、促进业务发展、打造核心竞争力、遏制农村信用社经济案件发生具有重大的理论意义和现实意义。本文以农村信用社操作风险管理为研究对象，综合运用系统、流程管理、内部控制、全面风险管理等理论，分别采用了文献研究法和系统分析法等方法对农村信用社操作风险进行研究。首先，从操作风险相关基本理论入手，概述操作风险权威概念，进而引出了操作风险管理基本理论。其次，对现在所面临的操作风险和出现问题做概要性总结，然后进行成因分析。最后，以巴塞尔新资本协议为指导思想，参考国内外活跃银行的先进操作风险管理经验，针对农村信用社现状，从从组织架构、教育培训、流程、信息科技、管理方法五个方面提出了农村信用社操作风险管控体系建设方案。本文主要在以下方面进行了创新性研究：一是参照植物根系生长模式应用于农村信用社操作风险管理。二是基于逻辑学的推理模式提出了风险模拟衍变预警方法。三是根据农村信用社特殊状况，构建了农村信用社现状的操作风险管控架构。
[Abstract]:Rural credit cooperatives as a link between urban and rural financial enterprises, with the "three rural" as the market positioning, is the main support of rural finance and the main financing platform, the level of risk management or not. Rural credit cooperatives are located in rural areas, with a wide range of points, complex growth process, bad management system, poor overall team foundation and other objective reasons. Cause the management level is not high, the risk management consciousness is weak, the internal control supervision is not perfect and so on, the operational risk problem is much more complex than the domestic other financial institutions, facing the huge operational risk. The situation is grim, especially the frequent occurrence of operational risks in recent years, which has caused huge economic losses and reputation losses to rural credit cooperatives, and has seriously affected the reform process of rural commercialization of rural credit cooperatives in China. Prevention of operational risks has become a very important and urgent research topic for controlling risks, improving the business environment, promoting business development, building core competitiveness. It is of great theoretical and practical significance to contain the economic cases of rural credit cooperatives. In this paper, the operational risk management of rural credit cooperatives as the research object, comprehensive use of systems, process management, internal control, comprehensive risk management theory. The methods of literature research and system analysis are used to study the operational risk of rural credit cooperatives. Firstly, the concept of operational risk authority is summarized from the basic theory of operational risk. Then it leads to the basic theory of operational risk management. Secondly, it summarizes the operational risks and problems, and then analyzes the causes. Finally, the new Basel Capital Accord as the guiding ideology. Referring to the advanced operational risk management experience of active banks at home and abroad, in view of the current situation of rural credit cooperatives, from the organizational structure, education and training, processes, information technology. Five aspects of management methods of rural credit cooperatives operational risk management system construction program. This paper mainly carries on the innovative research in the following aspects:. The first is the application of plant root growth model to the operation risk management of rural credit cooperatives. The other is the logical reasoning model. The third is according to the special situation of rural credit cooperatives. The operational risk management structure of rural credit cooperatives is constructed.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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