HTABC银行个人理财业务风险管理研究
发布时间：2018-07-17 20:15
【摘要】：近些年,我国银行业的理财业务得以快速发展,各个银行纷纷着手开展符合自身特点的理财业务。另外,随着生活水平的不断提升,理财产品的客户群体也在不断壮大,具有极为良好的发展前景。但是,理财业务往往面临着许多市场风险,且呈现不断增加的趋势。所以,深入而准确地分析开展理财业务过程中产生的诸多问题,并寻找到解决问题的方案以及有效规避风险的方法,便成为了各界学者关注的焦点之一。本文在充分借鉴以往研究文献和资料的基础上,将HTABC银行作为分析目标,结合多种分析方法,如文献研究、问卷调查等等,全方位理解与理财产品风险管理相关的一系列内容。首先,概述了本文的研究背景及研究意义,分析商业银行个人理财业务风险管理国内外研究现状,简要介绍了本文的研究内容及研究方法。其次,通过分析个人理财业务的概念、类别、特征了解个人理财业务相关理论,分析风险管理概念、风险识别及评价了解风险管理的相关理论,同时探究了个人理财业务风险管理的概念,研究了商业银行个人理财业务风险管理的方法,从而为本文研究奠定理论基础。再者,通过对HTABC银行概况及个人理财业务分析基础上认为HTABC银行个人理财业务主要由银行理财产品、基金产品、券商集合理财产品、保险理财产品、信托理财产品构成;HTABC银行个人理财业务当前梳理了初步的风险管理意识,组建了基础的风险管理制度,形成了基本的风险管理方法;但是当前HTABC银行个人理财业务风险管理还存在风险管理认识深度不足,员工风险管理专业能力较低,风险评价重视程度较低,风险控制方案不完善等问题,一定程度上阻碍了HTABC银行个人理财业务的发展。第四,通过德尔菲法对HTABC银行个人理财业务风险管理相关因素进行专家打分由于分析,提出HTABC银行个人理财业务风险管理风险主要有内部制度风险、操作风险、流动性风险、外部政策风险、汇率风险、利率风险、通货膨胀风险。第五,采用层次分析法构建个人理财业务风险评价指标体系、构建评价矩阵、确定指标权重、计算评价结果、分析评价结果,通过分析认为HTABC银行个人理财业务风险管理中内部风险因素的影响占据比例更大,其中流动性及内部制度风险对整体风险的影响特别显著,而对于外部风险来说,通货膨胀以及汇率引发的风险对整体风险的影响更为明显。第六,通过对HTABC银行个人理财业务风险识别、风险评价基础上,提出银行个人理财业务风险管理中要做到强化内部自我监督、优化内控控制制度、分析客户需求、探究客户价值、实施流动性风险专门监管、完善个人理财业务法律环境、健全资本市场反应机制、加强客户投资类型评价等多种措施,保障HTABC银行个人理财业务的稳定发展。最后提出本文的研究结论及研究展望,实现本文研究意义。
[Abstract]:In recent years, the banking business of our country has developed rapidly, and each bank has started to carry out financial services that conform to its own characteristics. In addition, with the continuous improvement of the living standard, the customer groups of the financial products are also growing and have a very good development prospect. However, financial services often face many market risks, Therefore, it is one of the focus of attention of the scholars from all walks of life to analyze the problems produced in the process of financial management, and to find solutions to the problems and to effectively avoid the risk. This paper will take full reference to the research literature and data, and then the HTABC bank As an analysis target, combined with a variety of analytical methods, such as literature research, questionnaire survey, and so on, a series of content related to the risk management of financial products. First, the research background and significance of this paper are summarized, and the domestic and foreign research status of the risk management of personal financial business in commercial banks is analyzed, and the research of this paper is briefly introduced. Secondly, through the analysis of the concepts, categories and characteristics of personal financial services, we understand the related theories of personal financial services, analyze the concept of risk management, identify and evaluate the related theories of risk management, and explore the concept of risk management in personal financial services, and study the risk of personal financial services in commercial banks. On the basis of the general situation of HTABC bank and the analysis of personal financial services, the author thinks that the personal financial business of HTABC bank is mainly composed of bank financial products, fund products, financial products of securities dealers, insurance financial products, trust financial products, and HTABC bank personal financial services. At present, the primary risk management consciousness has been combed, the basic risk management system has been formed, and the basic risk management methods have been formed. However, at present, the risk management of HTABC bank's personal financial business still has insufficient knowledge of risk management, low professional ability of staff risk management, low risk assessment, and no risk control scheme. The problem of perfect and so on, to a certain extent, hinders the development of HTABC bank's personal financial business. Fourth, through the analysis of Delphy Fa's expert scores on risk management related to HTABC bank's personal financial management business, it is suggested that the risk management risk of HTABC bank's personal financial management business should have internal institutional risk, operational risk and liquidity wind. Risk, external policy risk, exchange rate risk, interest rate risk, inflation risk. Fifth, use analytic hierarchy process to construct risk evaluation index system of personal financial services, construct evaluation matrix, determine index weight, calculate evaluation results, analyze evaluation results, and analyze the internal risk factors of HTABC bank personal financial business risk management by analysis. The influence of the factor of the element is greater, in which the liquidity and the internal institutional risk have a particularly significant impact on the overall risk. For the external risk, the inflation and the risk caused by the exchange rate have more obvious impact on the overall risk. Sixth, on the basis of risk assessment and risk assessment of the HTABC bank's personal financial services, the silver is proposed. In the risk management of personal financial services, we should strengthen internal self-supervision, optimize internal control and control system, analyze customer needs, explore customer value, implement special supervision of liquidity risk, perfect the legal environment of personal financial services, improve the mechanism of capital market reaction, strengthen the evaluation of customer investment type and so on, and guarantee the HTABC bank Finally, the research conclusions and research prospects of this paper are put forward to realize the significance of this research.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2
本文编号：2130815
[Abstract]:In recent years, the banking business of our country has developed rapidly, and each bank has started to carry out financial services that conform to its own characteristics. In addition, with the continuous improvement of the living standard, the customer groups of the financial products are also growing and have a very good development prospect. However, financial services often face many market risks, Therefore, it is one of the focus of attention of the scholars from all walks of life to analyze the problems produced in the process of financial management, and to find solutions to the problems and to effectively avoid the risk. This paper will take full reference to the research literature and data, and then the HTABC bank As an analysis target, combined with a variety of analytical methods, such as literature research, questionnaire survey, and so on, a series of content related to the risk management of financial products. First, the research background and significance of this paper are summarized, and the domestic and foreign research status of the risk management of personal financial business in commercial banks is analyzed, and the research of this paper is briefly introduced. Secondly, through the analysis of the concepts, categories and characteristics of personal financial services, we understand the related theories of personal financial services, analyze the concept of risk management, identify and evaluate the related theories of risk management, and explore the concept of risk management in personal financial services, and study the risk of personal financial services in commercial banks. On the basis of the general situation of HTABC bank and the analysis of personal financial services, the author thinks that the personal financial business of HTABC bank is mainly composed of bank financial products, fund products, financial products of securities dealers, insurance financial products, trust financial products, and HTABC bank personal financial services. At present, the primary risk management consciousness has been combed, the basic risk management system has been formed, and the basic risk management methods have been formed. However, at present, the risk management of HTABC bank's personal financial business still has insufficient knowledge of risk management, low professional ability of staff risk management, low risk assessment, and no risk control scheme. The problem of perfect and so on, to a certain extent, hinders the development of HTABC bank's personal financial business. Fourth, through the analysis of Delphy Fa's expert scores on risk management related to HTABC bank's personal financial management business, it is suggested that the risk management risk of HTABC bank's personal financial management business should have internal institutional risk, operational risk and liquidity wind. Risk, external policy risk, exchange rate risk, interest rate risk, inflation risk. Fifth, use analytic hierarchy process to construct risk evaluation index system of personal financial services, construct evaluation matrix, determine index weight, calculate evaluation results, analyze evaluation results, and analyze the internal risk factors of HTABC bank personal financial business risk management by analysis. The influence of the factor of the element is greater, in which the liquidity and the internal institutional risk have a particularly significant impact on the overall risk. For the external risk, the inflation and the risk caused by the exchange rate have more obvious impact on the overall risk. Sixth, on the basis of risk assessment and risk assessment of the HTABC bank's personal financial services, the silver is proposed. In the risk management of personal financial services, we should strengthen internal self-supervision, optimize internal control and control system, analyze customer needs, explore customer value, implement special supervision of liquidity risk, perfect the legal environment of personal financial services, improve the mechanism of capital market reaction, strengthen the evaluation of customer investment type and so on, and guarantee the HTABC bank Finally, the research conclusions and research prospects of this paper are put forward to realize the significance of this research.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2
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1 王庆亮;HTABC银行个人理财业务风险管理研究[D];山东理工大学;2016年
，本文编号：2130815
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