N银行黑龙江省分行操作风险管理问题研究
发布时间：2018-08-24 18:43
【摘要】：当前，中国日益融入全球经济金融一体化，商业银行即将全面开放，，商业银行面临的风险日趋复杂多变；《巴塞尔新资本协议》已经公布实施，商业银行风险监管更加严格；未来银行业的竞争将集中在风险管理能力上，风险管理能力构成银行核心竞争力的核心元素。但多年以来我国商业银行重信贷风险，轻操作风险管理模式导致国内商业银行不良资产屡有反弹。操作风险管理形式日益严峻。因此，尽快构筑起健全、有效的操作风险管理体系，全面提升操作风险管理水平成为我国商业银行亟待回答和解决的问题。本文针对N银行黑龙江省分行的操作风险管理问题进行了研究，在对黑龙江省分行的操作风险管理基本情况进行全面阐述的基础上，对黑龙江省分行在操作风险管理中存在的问题及成因进行了深入的分析和探讨，在借鉴国内外大型商业银行相关的操作风险管理经验的基础上提出了黑龙江省分行操作风险管理问题的对策。
[Abstract]:At present, China is increasingly integrated into the global economic and financial integration, commercial banks are about to be fully opened, the risks faced by commercial banks are becoming increasingly complex and changeable, the Basel New Capital Accord has been published and implemented, and the risk supervision of commercial banks has become more stringent. In the future, the competition of the banking industry will focus on the risk management ability, which constitutes the core element of the bank's core competitiveness. However, for many years, the commercial banks in our country pay more attention to the credit risk than the operational risk management mode, which leads to the rebound of the non-performing assets of the domestic commercial banks. Operational risk management is becoming more and more severe. Therefore, to construct a sound and effective operational risk management system as soon as possible and to improve the level of operational risk management in an all-round way has become an urgent problem to be answered and solved by commercial banks in our country. In this paper, the operational risk management of N Bank Heilongjiang Branch has been studied, and the basic situation of operational risk management of Heilongjiang Branch has been comprehensively expounded. The problems and causes of operational risk management in Heilongjiang Branch are analyzed and discussed. Based on the experience of operational risk management of large commercial banks at home and abroad, the countermeasures of operational risk management in Heilongjiang Branch are put forward.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
本文编号：2201703
[Abstract]:At present, China is increasingly integrated into the global economic and financial integration, commercial banks are about to be fully opened, the risks faced by commercial banks are becoming increasingly complex and changeable, the Basel New Capital Accord has been published and implemented, and the risk supervision of commercial banks has become more stringent. In the future, the competition of the banking industry will focus on the risk management ability, which constitutes the core element of the bank's core competitiveness. However, for many years, the commercial banks in our country pay more attention to the credit risk than the operational risk management mode, which leads to the rebound of the non-performing assets of the domestic commercial banks. Operational risk management is becoming more and more severe. Therefore, to construct a sound and effective operational risk management system as soon as possible and to improve the level of operational risk management in an all-round way has become an urgent problem to be answered and solved by commercial banks in our country. In this paper, the operational risk management of N Bank Heilongjiang Branch has been studied, and the basic situation of operational risk management of Heilongjiang Branch has been comprehensively expounded. The problems and causes of operational risk management in Heilongjiang Branch are analyzed and discussed. Based on the experience of operational risk management of large commercial banks at home and abroad, the countermeasures of operational risk management in Heilongjiang Branch are put forward.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
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