中国工商银行财务风险管理研究

发布时间：2018-05-24 03:52

本文选题：财务风险 + 中国工商银行　；参考：《西南交通大学》2017年硕士论文

【摘要】：随着金融行业的日益发展、经济全球化的不断深入,商业银行作为金融市场的信息传递者和交易渠道也在不断地持续壮大。在这样的大背景之下,商业银行的竞争也越发激烈,而如何在获得利益增长点的同时维持自身的平稳经营已经成为众多银行寻求的最重要发展方向。通过不断地扩张业务实现效益的增长是所有商业银行的经营目标,但风险的不确定性、可扩散性和隐蔽性为其带来了危机。因此,在商业银行"百家争鸣"的现状下,能否有效控制自身财务风险就成为必须要考虑的问题。由于商业银行的经营性质特殊,掌管着社会资金的流通和交易,所以其财务风险与一般企业相比更加重要且难以有效控制,在这种情况下采用有效的管理方式就显得十分必要。于是,本文首先在此基础上对商业银行的特征和风险管理方法进行了深入剖析,以便能够找到有效的预防方案。我国在21世纪已形成了四大国有银行和各类型商业银行共同发展的银行业格局,而本文就将选取我国规模最大的国有商业银行——中国工商银行作为具体的案例,将其具体情况研究透彻并提出优化方案。首先通过系统测评得分对工商银行做一个财务风险体检,根据得分找到财务风险的薄弱项,发现工商银行的财务风险已经有所扩大,需要及时防控。随后将财务风险展开分类研究,即市场风险、资产质量风险、信用风险和互联网金融风险,对每一类风险都进行细致的分析并找出问题所在,然后通过全盘归纳找到相应策略。本文立足于工商银行的具体财务情况和经营状况,同时结合我国的金融大环境和经济政策,借鉴国外发达国家的先进管理理念,对工商银行现存的财务风险进行了客观评价和深入研究。笔者认为,财务风险的防控管理应纳入工商银行的日常经营工作中,在加强专业化管理的同时打造更新型的有效管理体系,使工商银行在未来持续经营的道路上对财务风险做到实时防控,对主体业务做到保障和巩固。
[Abstract]:With the development of financial industry and the deepening of economic globalization, commercial banks, as information transmitters and trading channels of financial markets, are constantly expanding. In such a background, the competition of commercial banks is becoming more and more fierce, and how to obtain the profit growth point while maintaining their own smooth operation has become the most important development direction that many banks seek. It is the target of all commercial banks to achieve the growth of profit by expanding their business continuously, but the uncertainty, diffusibility and concealment of risk bring crisis to them. Therefore, under the current situation of commercial banks'"a hundred schools of thought contend", it is necessary to consider whether we can effectively control our own financial risks. Because of the special management nature of commercial banks, which is in charge of the circulation and transaction of social funds, the financial risk of commercial banks is more important and difficult to effectively control than that of ordinary enterprises. In this case, it is very necessary to adopt effective management methods. On this basis, this paper analyzes the characteristics and risk management methods of commercial banks in order to find an effective prevention scheme. In the 21st century, China has formed a banking pattern in which four state-owned banks and various types of commercial banks have developed together. In this paper, the largest state-owned commercial bank in China, the Industrial and Commercial Bank of China, will be selected as a specific case. Research its specific situation thoroughly and put forward the optimization scheme. First of all, we do a financial risk physical examination for ICBC through systematic evaluation scores, and find out the weak point of financial risk according to the score, and find that ICBC's financial risk has been expanded and needs to be prevented and controlled in time. Then the financial risk is classified, that is, market risk, asset quality risk, credit risk and Internet financial risk. This paper is based on the specific financial situation and management situation of ICBC, at the same time, combined with the financial environment and economic policy of our country, draw lessons from the advanced management idea of foreign developed countries. The present financial risk of ICBC is evaluated objectively and studied deeply. In my opinion, the prevention and control of financial risk should be brought into the daily operation of ICBC, and a new and effective management system should be created while strengthening specialized management. So that ICBC can prevent and control financial risks in real time on the way of continuing operation in the future, and ensure and consolidate the main business.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

【相似文献】