商业银行操作风险防控对策研究

发布时间：2018-04-15 15:33

本文选题：操作风险 + 风险管理　；参考：《大连海事大学》2013年硕士论文

【摘要】：近几年来,国内外银行业等金融机构频繁发生重大要案,这对银行资金安全造成直接影响,在国内,由于银行业管理层对操作风险的控管不足、造成从业人员的防范意识不够,常常造成重大失误、以至于使我国经济遭受了惨重的损失、同时这也给银行带来了负面的影响,对社会秩序影响也是同样的。操作风险已成为商业银行当前面临的主要风险之一,危害巨大使人触目忧心。绝大部分案件在银行营业网点操作环节管理失控产生。目前,无论是金融方面的从业机构还是相应的监管部门、都开始史无前例的加强对操作风险的关注及控管。与此同时,学术界、金融业界机构、监管机构都开始探讨如何降低业务流程及管理方面的操作的风险,从而降低损失。本文针对国内外银行操作风险问题进行研究学习并总结相关国际国内操作风险研究结果,指出操作风险概念,分类及其特征,并兼顾目前国内商业银行在实际中的操作风险现状,对我国商业银行操作风险管理的现状进行分析及存在问题的成因分析,运用实证分析的方法,揭示出我国商业银行目前在操作风险防范方面存在的问题,寻找适合加强我国商业银行操作风险管理的理论和方法并提出了解决对策。为此,本文提出了商业银行要树立正确的企业文化,健全操作风险组织体系,改进操作风险管理体系,完善操作风险监控体系,健全员工培训体系等对策措施,寻找并总结加强我国商业银行操作风险管理的理论和方法并提出了解决对策。全文分为五章,其层次结构、基本内容和主要观点如下：第一章为绪论。提出了本文选题的目的,论述了本文研究意义,提出了研究的思路和框架。列举本文研究方法及创新点。第二章为文献综述。首先介绍操作风险的概念、分类及特征,然后阐述了国内外操作风险管理研究的现状。第三章阐述了我国商业银行操作风险管理现状,分析其产生的成因及危害。第四章针对整个银行业操作风险防控提出建议。首先,要树立正确的企业文化。其次,健全操作风险组织体系。再次,改进操作风险管理体系。接下来完善操作风险监控体系。最后要健全员工培训体系。第五章为结论。对操作风险管理对策研究进行了概括总结并指出了本文的局限性。我国商业银行操作风险从技术层面上进行防范较难,那么必须从体制建设和机制改革着手。针对商业银行操作风险的具体成因,若要减少和杜绝操作风险事件的发生,就必须从彻底根治业务流程、体制结构方面的漏洞入手、不但要修改审定对内部管理层的奖励条例,还要加强对其的监管,树立正确的企业文化,完善操作风险组织体系与管理体系,加强对人的培养提升员工素质,加大重视从业人员道德风险和操作风险管理。从银行内部因素,人员,操作系统,外部因素监管制度,监控等方面提出相应的对策使商业银行操作风险降到最低。
[Abstract]:This paper discusses how to reduce the risk of the operation risk of commercial banks in China . At the same time , the author points out that commercial banks should set up correct enterprise culture , perfect operation risk organization system , improve operation risk management system , perfect operation risk monitoring system and improve employee training system .

The first chapter is introduction . The purpose of this paper is put forward , the significance of this paper is discussed , and the thinking and framework of the research are put forward . The research methods and innovation points of this paper are listed .

The second chapter introduces the concept , classification and characteristics of operational risk , and then expounds the current situation of operational risk management at home and abroad .

The third chapter expounds the present situation of the operation risk management of commercial banks in China , and analyzes its causes and hazards .

The fourth chapter puts forward some suggestions for the prevention and control of the operation risk of the whole banking industry . First , we should establish the correct enterprise culture . Secondly , improve the operation risk management system . Thirdly , improve the operation risk management system . Next , improve the operation risk monitoring system . Finally , we should perfect the employee training system .

In chapter 5 , the conclusions are summarized and the limitations of this paper are summarized and pointed out .

In view of the specific causes of the operation risk of commercial banks , it is necessary to start with the reform of system construction and mechanism . In order to reduce and eliminate the occurrence of operational risk events , we must not only modify the incentive regulations for internal management , but also strengthen the supervision of the internal management , build up the correct enterprise culture , perfect operation risk organization system and management system , strengthen the cultivation and promotion of human resources , and attach importance to the personnel ' s moral hazard and operation risk management .

【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】