吉林省建行公司金融业务操作风险防范研究

发布时间：2018-01-02 01:22

本文关键词：吉林省建行公司金融业务操作风险防范研究　出处：《吉林大学》2012年硕士论文　论文类型：学位论文

【摘要】：金融危机爆发后，美国多家银行倒闭，，使得人们开始关注银行操作风险管理问题。操作风险是商业银行在日常经营活动中所面临的风险之一。与市场风险、信用风险、流动性风险不同,商业银行对操作风险的认识和理解还处于较低水平。操作风险因自身业务的特点而异，无法进行标准化以及模板化，但操作风险多半都是发生在管理薄弱，风险意识差的机构。中国商业银行公司金融业务操作风险的频繁发生暴露了我国银行业风险管理的薄弱环节。本文结合中国银行业目前风险管理的现状，通过对公司金融业务操作风险的特征及产生原因的分析，找寻实践工作中吉林省建行公司金融业务操作风险发生的规律和特点。本文首先探讨了不同国家的商业银行公司金融业务操作风险防范实践，对吉林建行公司金融业务操作风险的防控起到了重要的借鉴作用。然后从商业银行操作风险的内涵入手，结合对近年来所发生的公司金融业务操作风险案例的分析，总结出国内商业银行业操作风险产生的典型特征，提出符合国内商业银行特征的操作风险定义及其基本特征，根据巴塞尔委员会提出的操作风险分类的标准，结合中国商业银行业的实际情况，提出了适合中国商业银行业特点的操作风险的分类标准，并分析了吉林建行金融业务操作风险的现状以及存在的问题。进一步，对吉林建行存在这种问题的原因进行更加细致的分析，分别从人员职业操守缺失、内部控制缺失和业务流程不完善三方面总结归纳原因；又以由公司金融业务操作风险所引发问题的一些真实案例为模板，根据自身经验和对银行公司金融业务方面的知识对其进行了扩展和延伸，在对各个案例进行评析的同时，又提示了商业银行的公司金融业务操作风险控制点，总结了相应的经验和教训。最后本文提出了吉林建行公司金融业务操作风险的防范对策，根据自身经验从完善商业银行公司治理结构、加强内部控制制度的建设、优化业务流程设计、加强量化管理、塑造先进风险文化、强化金融监管等六个层次进行了论述，提供了建行吉林省分行操作风险管理的文化理念、政策流程、组织架构、量化管理以及自评估管理等一系列公司金融业务操作风险管理思路。近几年，中国商业银行业界和学术理论界都加大了对于公司金融业务操作风险的关注和研究。很多学者及商业银行界人士从商业银行公司金融业务操作风险的基本特征、产生因素等方面入手，对公司金融业务操作风险的范围进行了相应界定，各个商业银行也应该根据自身情况做出相应比较，衡量操作风险防控的重要性有针对性地建立起解决商业银行公司金融业务操作风险问题的具体实施方案。本文的研究价值主要体现在进一步推动了国内商业银行改革的发展，提出地对建行吉林省分行的公司金融业务操作风险进行防控和管理的有效对策，达到尽量杜绝操作风险、提高经济效益的效果，确保整个社会金融资产的安全和经济秩序的稳定。
[Abstract]:After the outbreak of the financial crisis, US banks collapse, the people began to pay attention to bank operational risk management. Operational risk is one of the commercial banks face in daily business activities. The risk and market risk, credit risk, liquidity risk, commercial bank knowledge and understanding of the operational risk is at a low level. The operational risk varies depending on the characteristics of their own business, not standardized and modular, but the operation risk mostly occurred in the risk management is weak, poor awareness of the organization. The frequent operation risk of the company Chinese commercial banking business has exposed the weak links of China's banking risk management. Combined with the present situation of the banking industry Chinese risk management, by analyzing the features and causes of operating risk of corporate finance business, looking for practical work in Jilin Construction Bank financial services company The rules and characteristics of operational risk. This paper discusses the different national commercial bank financial services company operating risk prevention practice, the important reference for the prevention and control of operational risk in Jilin branch company financial business. Then starting from the connotation of operational risk of commercial banks, combined with the analysis of the case of operational risk of financial business in recent years to what happened, summarizes the typical characteristics of operational risk of domestic commercial banking, put forward the definition of operational risk of domestic commercial banks in accordance with the characteristics and basic characteristics, according to the Basel Committee proposed the operational risk classification standards, combined with the actual situation of commercial bank Chinese industry, put forward the classification standard of operational risk for commercial bank Chinese the characteristics of the industry, and analyzes the present situation of Jilin Construction Bank financial business operation risk and problems. Further, the Jilin Construction Bank causes the existence of such problems more detailed analysis, respectively, from the lack of personnel occupation ethics, lack of internal control and business process is not perfect three aspects summarizes reasons; in some real case problems caused by operational risk financial services company as a template, according to their own experience and the bank's financial business knowledge has carried on the expansion and extension, in the analysis of each case, and the commercial bank's financial business operation risk control, summarizes the relevant experiences and lessons. The Countermeasures of the operational risk of Jilin Construction Bank financial services company in the proposed, based on their own experience from the improvement of corporate governance structure of commercial banks the company, strengthen the construction of internal control system, optimize the business process design, strengthen the quantitative management, establish advanced risk culture, strengthen financial supervision and control. The six level tube are discussed in this paper, provides the operational risk management of Jilin branch of China Construction Bank culture concept, policy process, organization structure, quantitative management and self assessment management and a series of financial business operation risk management ideas. In recent years, the commercial bank Chinese industry and academic circles have stepped up to the operational risk the company financial business concern and research. Many scholars and professionals from the basic characteristics of commercial bank operation risk of commercial bank financial services companies, factors and other aspects, the company financialbusiness operational risk has been defined, all commercial banks should also make corresponding comparison according to their own situation, the importance of measuring operational risk prevention and control to establish a specific implementation plan to solve the problems of operational risk of commercial bank financial services company. The value of this study mainly In promoting the further development of the domestic commercial bank reform, put forward effective measures to control and management of the company financial operation risk of Jilin branch of China Construction Bank, to try to put an end to operation risk, improve the economic efficiency, to ensure that the entire social security financial assets and the stability of the economic order.

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

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