东营市商业银行操作风险管理研究

发布时间：2018-03-06 08:41

本文选题：操作风险　切入点：管理制度　出处：《中国石油大学（华东）》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，国内外商业银行由操作风险带来的问题日益凸显，操作风险存在银行业务的各个环节，，涉及各业务条线。随着金融全球化、金融创新和金融深化的发展，银行规模的不断扩大、银行业务品种的不断增多，经营复杂程度的急剧上升，使得银行的操作风险越来显著，也越来越受到各界的关注。东营市商业银行作为东营地区地方性商业银行，自2005年9月挂牌成立以来，其以惊人的速度进行业务的扩张和规模的膨胀。业务种类的增多，营业网点的密集，使东营市商业银行面临更为复杂的操作风险隐患。本文首先通过借鉴花旗银行、英国银行家协会等国际上不同组织对操作风险的定义，结合本人对操作风险的认知给出了自己认为比较合适的对操作风险的定义。同时，通过比较基本指标法、标准法和高级计量法三种操作风险计量方法，选定了标准法是比较适合东营市商业银行现阶段对操作风险进行定量计量的方法。本文客观全面的分析了东营市商业银行操作风险管理现状及存在的问题，充分借鉴了纽约银行和德国银行操作风险管理的经验，从完善操作风险管理架构、建立健全内控制度和运用电子手段健全操作风险管理等方面对东营市商业银行操作风险管理给出了建议。
[Abstract]:In recent years, the problems brought about by operational risks in commercial banks at home and abroad have become increasingly prominent. Operational risks exist in all aspects of banking business and involve various lines of business. With the development of financial globalization, financial innovation and financial deepening, With the continuous expansion of the scale of banks, the increasing variety of banking business and the sharp rise of management complexity, the operational risks of banks become more and more significant, and more and more people pay attention to them. Dongying City Commercial Bank, as a local commercial bank in Dongying region, has been expanding its business and expanding its scale at an astonishing speed since its establishment in September 2005. Dongying Commercial Bank is faced with more complicated operational risks. Firstly, this paper draws lessons from different international organizations such as Citibank, British Bankers Association and other international organizations to define operational risk. Combined with my cognition of operational risk, this paper gives the definition of operational risk that I think is more appropriate. At the same time, by comparing three operational risk measurement methods: basic index method, standard method and advanced metrology method, The standard method is chosen to be more suitable for the quantitative measurement of operational risk in Dongying City Commercial Bank at the present stage. The present situation and existing problems of operational risk management of Dongying Commercial Bank are analyzed objectively and comprehensively in this paper. Drawing on the experience of Bank of New York and Bank of Germany in operational risk management, from perfecting the framework of operational risk management, Some suggestions on operational risk management of Dongying City Commercial Bank are given in the aspects of establishing and perfecting internal control system and using electronic means to perfect operational risk management.
【学位授予单位】：中国石油大学（华东）
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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