商业银行柜面业务风险分析与控制

发布时间：2018-01-01 01:26

本文关键词：商业银行柜面业务风险分析与控制　出处：《山东大学》2012年硕士论文　论文类型：学位论文

【摘要】：商业银行柜面业务是与广大客户接触最直接的部分,绝大多数客户是通过柜面业务的办理过程,享受了银行服务,完成了业务办理。由于金融机构是经营货币的特殊行业,银行的柜面业务风险隐藏在每一个细小环节里面,无论是内部控制不到位,还是柜面经办人员操作问题,无论是制度制定,还是监督检查,任何一个环节稍有不慎便可能造成极大的损失。加之近几年银行柜面出现的案例数量不断增长,使银行柜面业务风险研究的意义愈加深远。本文在前人研究理论的基础上,结合我国商业银行柜面业务实务,阐述了商业银行柜面业务风险研究的相关理论,结合实例,在研究背景论述后得出选题目的,继而研究了我国商业银行柜面业务风险特点、成因,柜面业务风险分析、柜面业务风险控制及风险控制效果等。通过案例分析、实地调查、经验总结、主成分分析等方法进行商业银行柜面业务操作的横纵向比较,最终在保留好的操作管理办法之外,进而提出了改进商业银行柜面业务操作的创新思路。加大高科技投入,使之更好的服务于商业银行柜面业务,开发实时风险预警系统、实现金融系统大联网、微型呼叫传感器的应用等。风险不能彻底消除,柜面业务在保留传统密码及印鉴管理、授权、复核等制度的前提下,信息转达应科技化,业务办理互动化,操作灵活化等。本文通过研究得出以下结论：制度制定和执行要相互配合,相互考虑影响因素；银行柜面风险防范不仅仅是银行柜面的任务,而是银行整体和社会整体的共同任务；银行内部控制及监督检查应及时更新跟进；加大科技因素投入,为银行柜面业务风险控制提供更有力保障。本文重点以实务为基础展开,商业银行柜面业务风险牵扯到社会的各个面,在风险不可能完全消除的情况下,尽可能的从制度制定及实施、人员操作、硬件设施、高科技支持、岗位人员设置、内部监督、外部监管等方面做好,争取将风险控到最低,从而为客户提供更好的服务。
[Abstract]:Commercial bank counter service is the most direct contact with customers, the vast majority of customers through the counter business process, enjoy the bank service, completed the business process. Because of the financial institutions operating currency is a special industry, the bank counter business risk hidden hidden in every detail, whether internal control not in place, or counter personnel operation, whether the system developed, or supervision and inspection, any link has slightly carelessly may cause great losses. The number of cases in the past few years banking continues to grow, make the banking operational risk research significance is profound.
This paper based on the theory of previous studies, combined with China's commercial banking business practice, expounds the related theory of commercial banking operational risk research with examples, discusses the research background in that purpose, the causes and then studied our country commercial bank counter business risk characteristics, counter business risk analysis, counter business risk control and risk control effect. The analysis, field investigation, summed up the experience of the case, the principal component analysis of the commercial banking operations of the transverse and longitudinal comparison, finally in addition to the retention of good operation and management measures, and puts forward innovative ideas to improve the commercial banking operations. Increase the investment of high-tech, make it better service in the commercial banking business, the development of real-time risk early warning system, realize the network financial system, call micro sensor applications.
The risk can not be completely eliminated, authorized counter business while retaining the traditional password and seal management system under the premise, review, information conveyed should be scientific, business interaction, flexible operation and so on. This paper draws the following conclusions: system development and implementation to mutual cooperation, mutual influence factors; banking risk prevention is not just banking task, but the bank's overall common task and the whole society; bank internal control and supervision and inspection timely follow up; to increase scientific and technological input factors, provide a powerful guarantee for the bank counter business risk control.
This paper focuses on the practice as base, each face of the commercial banking business risk involved in society, can not be completely eliminated in the case of risk, as far as possible from the system establishment and implementation, operation, hardware facilities, high-tech support, position setting, internal supervision and external supervision to do a good job, for control the risk to a minimum, so as to provide better services to customers.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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