JT银行个人理财业务风险管理研究

发布时间：2018-03-11 17:02

本文选题：JT银行　切入点：个人理财业务　出处：《南京师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：2008年全面爆发的金融危机,不仅对全球经济产生了消极影响,而且极大地冲击了我国商业银行的个人理财业务。“零收益”、“负收益”理财产品的相继出现,使人们切实意识到我国商业银行个人理财业务风险管理中存在诸多问题。因此,如何有效地对个人理财业务的各种风险进行管理,对我国商业银行个人理财业务的快速、稳健地发展,具有十分重要的现实意义。本文针对笔者所在的JT银行个人理财业务风险管理中存在的产品设计管理机制不健全、客户评估机制流于形式、信息披露制度不完整、销售人员管理存在漏洞、投诉处理机制不完善等突出问题,从内外部两个方面的制约因素进行深入分析,在此基础上借鉴国内外同业先进管理经验,吸取同业惨痛教训,提出从强化风险理念、优化风险管理架构、完善产品设计管理和销售管理体系、建立健全人力资源绩效考评体系四个方面,全流程、全面地完善J工银行个人理财业务风险管理。本文主要以JT银行个人理财业务为例,对其存在风险进行了介绍和分析,并且以其作为实例来揭示风险管理的重要性,以期能够对国内商业银行探索理财业务风险防控措施及策略带来启发和帮助。
[Abstract]:In 2008, the financial crisis broke out in an all-round way, which not only had a negative impact on the global economy, but also had a great impact on the personal financial business of Chinese commercial banks. It makes people realize that there are many problems in the risk management of personal finance business of commercial banks in our country. Therefore, how to manage all kinds of risks of personal finance business effectively, and how to quickly manage the personal finance business of commercial banks in our country. It is of great practical significance to develop steadily. This paper aims at the imperfect product design management mechanism, customer evaluation mechanism and incomplete information disclosure system in the risk management of personal finance business of JT bank. There are some outstanding problems in the management of sales personnel, such as loopholes, imperfect complaint handling mechanism, and so on. Based on the in-depth analysis of the internal and external restrictive factors, we can learn from the advanced management experience of domestic and foreign counterparts and draw on the painful lessons of the same industry. From four aspects: strengthening the risk concept, optimizing the risk management framework, perfecting the product design management and sales management system, establishing and perfecting the human resources performance appraisal system, the whole process is put forward. Taking JT Bank as an example, this paper introduces and analyzes the risk of personal finance, and uses it as an example to reveal the importance of risk management. In order to explore the domestic commercial banks financial business risk prevention and control measures and strategies to bring inspiration and help.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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