华融湘江银行湘潭分行全面风险管理研究

发布时间：2018-03-01 06:07

本文关键词： 商业银行风险管理全面风险管理体系华融湘江银行湘潭分行　出处：《湖南大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来,国内外银行竞争日趋激烈以及宏观经济背景的较大变化使我国商业银行面临的风险日趋多样化和复杂化。当前分散的、片面的风险管理方式已经不适应当前银行发展的需要，新局面呼唤着商业银行构建全面风险管理体系，而《新巴塞尔协议》也对银行业全面风险管理提出了新的要求。充分认识我国商业银行在风险管理方面与国际上的差距，树立全新的全面风险管理理念，运用科学的风险管理方法建立符合我国实际情况的全面风险管理体系，对防范银行风险、提高银行效益具有重要意义。本文以华融湘江银行湘潭分行为研究对象，对其现状以及风险管理情况进行了分析，并根据国际和国内商业银行风险管理研究理论，对华融湘江银行湘潭分行如何改进风险管理提出了具体措施，即建立华融湘江银行湘潭分行全面管理体系，以帮助该行加强风险管理，提升经营管理水平，增强核心竞争力。同时，华融湘江银行是我国中小银行的一个缩影，本文对华容湘江银行湘潭分行风险管理进行研究，对于我国其他中小银行的风险管理可以起到一定的借鉴作用。本文共分四个部分。第一部分是绪论，该部分论述了文章的选题背景和意义，概括阐述了本文所采用的研究方法、主要内容，从总体上把握全文。并从理论上概括了商业银行风险，依次介绍了商业银行风险的定义、分类、特点以及商业银行风险管理模式的发展，并从多个方面说明了我国商业银行实行全面风险管理的必要性,是全文有力的理论支撑。第二部分以华融湘江银行湘潭分行为例，通过分析其风险源、其风险管理中的理念、技术、组织架构、流程、内审制度和政策框架，发现问题，探寻成因，目的是指导该行乃至其他中小商业银行能够认清自身风险管理中的现状和存在的差距，使其认识到实施全面风险管理的重要性。第三部分对华融湘江银行湘潭分行如何构建全面风险管理体系进行了论述，对其所构建的全面风险管理体系框架、要素进行了解析，并对华融湘江银行湘潭分行如何构建全面风险管理体系从目标设定、组织架构、管理文化、管理流程、管理方法进行了全面论述，，是本文的核心部分。第四部分阐述的是华融湘江银行湘潭分行实施全面风险管理的保障措施，并从组织保障、制度保障、技术保障、人员保障以及外部监督方面方面进行了论述。
[Abstract]:In recent years, the competition of domestic and foreign banks is becoming more and more fierce and the macro-economic background has changed greatly. The risks faced by commercial banks in China are becoming more and more diversified and complicated. The one-sided way of risk management has not been adapted to the needs of the current development of banks. The new situation calls for the commercial banks to build a comprehensive risk management system. The New Basel Accord also puts forward new requirements for the comprehensive risk management of the banking industry. We should fully understand the gap between China's commercial banks and the international community in risk management, and establish a new concept of comprehensive risk management. It is of great significance to use the scientific risk management method to establish a comprehensive risk management system in accordance with the actual situation of our country, which is of great significance to the prevention of bank risks and the improvement of bank benefits. This paper takes Xiangtan Branch of Xiangjiang Bank of Huarong as the research object, analyzes its present situation and risk management, and according to the research theory of risk management of international and domestic commercial banks, This paper puts forward concrete measures on how to improve risk management in Xiangtan Branch of Xiangjiang Bank of Huarong, that is, to establish a comprehensive management system of Xiangtan Branch of Xiangjiang Bank of Huarong, in order to help the bank strengthen risk management and raise the level of management. At the same time, Huarong Xiangjiang Bank is a microcosm of small and medium-sized banks in China. This paper studies the risk management of Xiangtan Branch of Huarong Xiangjiang Bank. For other small and medium-sized banks in China, risk management can play a certain reference role. This paper is divided into four parts. The first part is the introduction, this part discusses the background and significance of the topic, summarizes the research methods adopted in this paper, the main content, Grasp the full text in general, and generalize the risk of commercial bank theoretically, then introduce the definition, classification, characteristics and the development of risk management mode of commercial bank in turn. It also explains the necessity of implementing comprehensive risk management in commercial banks of our country from many aspects, which is the theoretical support of the full text. The second part takes Xiangtan Branch of Huarong Xiangjiang Bank as an example to analyze its risk source and the concept of its risk management. Technology, organizational structure, process, internal audit system and policy framework, identify problems, explore causes, the purpose is to guide the bank and other small and medium-sized commercial banks to recognize their own risk management in the current situation and existing gaps, In the third part, it discusses how to construct the comprehensive risk management system of Xiangtan Branch of Xiangjiang Bank of Huarong, and analyzes the framework and elements of the comprehensive risk management system. And how to build a comprehensive risk management system in Xiangtan Branch of Xiangjiang Bank of Huarong is discussed from the aspects of goal setting, organizational structure, management culture, management process and management methods. It is the core part of this article. Part 4th describes the safeguard measures for implementing comprehensive risk management in Xiangtan Branch of Xiangtan Bank of Huarong River, and from the aspects of organization, system and technology, Personnel security and external supervision are discussed.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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