中国银行SS分行财务风险控制的案例研究

发布时间：2018-07-16 23:52

【摘要】：现阶段,随着市场发展速度越来越快,银行变革也逐步深化,这些行为迫使我国商业银行管理方面出现了改变,由早期的“以资产经营以及存款为主”变成以“追求财务效益”为目标,这首先要求银行主管将提升财务效益作为目标来带动银行发展,其次则需要一个健全的用于反应银行财务业绩和管理的财务管理制度。可是对于当前中国商业银行管理的实践仍然没有一个好的风险管控措施或是指标体系设计出现,银行的财务状况也不能通过财务信息系统来体现,综上所述,除了对基本的商业银行所存在的内部风险进行总结分析以外,还围绕中国银行SS分行来进行深入探究,结合了SS银行的真实状况来对财务风险进行控制,并提出相应举措。论文首先介绍了中国商业银行发展过程中具有的财务风险和风险成因,认为商业银行的财务风险包含资本风险、资产质量风险、操作风险以及流动性风险,并在此基础上,对该四类风险成因进行了分析,这将有效防范此类风险的发生。另外,结合了中国银行SS分行实际情况对财务风险控制指标体系的建立进行了要点改造。在这部分,也对中国银行SS分行的财务风险特点提出了相应的解决措施。最后,论文依据之前几章的探究成果,对于中国银行SS分行财务风险制约做了完善的剖析,并对中国银行SS分行财务风险制约系统的改进提出了行之有效的举措以及建议,结尾说明了此类举措对于中国商业银行财务风险控制具有很强的理论以及实践借鉴价值。
[Abstract]:At this stage, with the market developing more and more rapidly, the banking reform is gradually deepening. These behaviors have forced changes in the management of commercial banks in our country. From the early "asset management and deposit-oriented" to the "pursuit of financial benefits" as the goal, this first requires bank executives to promote financial efficiency as a goal to promote the development of banks. Secondly, a sound financial management system is needed to reflect the financial performance and management of banks. However, there is still not a good risk control measure or index system design for the current practice of Chinese commercial bank management, and the financial situation of the bank can not be reflected by the financial information system. Besides summing up and analyzing the internal risks of the basic commercial banks, it also makes a deep exploration around the SS branch of the Bank of China, combines the real situation of the SS Bank to control the financial risks, and puts forward the corresponding measures. Firstly, the paper introduces the financial risks and the causes of the risks in the development of Chinese commercial banks, and concludes that the financial risks of commercial banks include capital risk, asset quality risk, operational risk and liquidity risk. The causes of these four types of risks are analyzed, which will effectively prevent the occurrence of such risks. In addition, combined with the actual situation of SS Branch of Bank of China, the establishment of financial risk control index system is reformed. In this part, the financial risk characteristics of SS branch of Bank of China are also put forward. Finally, according to the research results of the previous chapters, the thesis makes a perfect analysis on the financial risk restriction of the SS branch of Bank of China, and puts forward some effective measures and suggestions to improve the financial risk restriction system of the SS Branch of the Bank of China. The conclusion shows that this kind of measures have strong theoretical and practical reference value for the financial risk control of Chinese commercial banks.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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