山东省农村信用社操作风险管理研究

发布时间：2018-01-02 08:36

本文关键词：山东省农村信用社操作风险管理研究　出处：《山东大学》2012年硕士论文　论文类型：学位论文

【摘要】：从1980年代以来,金融自由化、融资证券化、信息技术和金融创新推动了金融全球化的发展,金融全球化使得全球的金融业得到高速发展。但是随之而来的是,全球金融业也进入了一个动荡的时期,国内外银行业出现了很多操作风险事件。我国的金融机构与国外的有着不同的发展道路,而且农信社与商业银行对比在业务操作和管理体制上都不同。如何在当今金融全球化、自由化以及创新产品不断涌现的背景前提下,结合我国农信社的自身特点,来预防和控制操作风险事件的发生是本文需要研究解决的问题。本文主要以我国农村信用社的操作风险作为研究对象,运用定性分析和定量分析等研究方法,结合我国的实际情况来分析我国农村信用社的操作风险事件的成因。在研究分析的基础上,就如何防范我国农信社的操作风险提出了相关对策建议。操作风险是金融机构风险防范的一个重要内容。由于人员素质不高,管理相对落后,和其他金融机构对比,我国农信社的操作风险更为严重。操作风险的防范对农信社至关重要。文章首先列举出农村信用社的操作风险的各种表现现象,指出农信社的操作风险主要是会计操作风险和贷款操作风险。然后介绍山东省农信社的操作风险的预警系统并对其运行效果进行评价。通过对三个地区农信社的调查,分析山东农信社目前的现状。在指出农信社操作风险管理方面存在的问题后,指出我国农信社操作风险形成的原因。其次从组织、制度、流程三个层面分析山东省农信社操作风险控制的体系。最后文章从优化操作风险管理治理环境、建立有效激励约束机制、培养风险管理人才、建立操作风险数据库、强化操作风险管理的意识和提高员工风险防范意识等方面提出防范我国商业银行操作风险的对策和建议。
[Abstract]:Since 1980s, financial liberalization, financing securitization, information technology and financial innovation to promote the development of financial globalization, financial globalization has caused the global financial industry has been rapid development. But along with it, the global financial industry has entered a period of turmoil, the domestic banking industry appeared a lot of financial operational risk events. Institutions in China and abroad have different development path, and the comparison of rural credit cooperatives and commercial banks in the business operation and management system are different. How in the background of financial globalization, liberalization and innovative products continue to emerge, combined with China's rural credit cooperatives own characteristics, to prevent and control of operational risk events is the need to study and solve this problem. In this paper the operational risk of rural credit cooperatives in China as the research object, using qualitative analysis and quantitative analysis Based on the actual situation of China's rural credit cooperatives and other research methods, this paper analyzes the causes of operational risk events in rural credit cooperatives. Based on research and analysis, it puts forward relevant countermeasures and suggestions on how to prevent operational risks of rural credit cooperatives.
Operational risk is one of the important contents of risk prevention in the financial institutions. Due to the quality of personnel is not high, management is relatively backward, and in contrast to other financial institutions, the operational risk of rural credit cooperatives in China is more serious. Operational risk prevention is vital to the rural credit cooperatives. This paper lists the various manifestations of the phenomenon of the operational risk of rural credit cooperatives and pointed out that the operational risk of rural credit cooperatives is the main accounting operational risk and operational risk loans. Then it introduces operational risk warning system in Shandong Province Rural Credit Cooperatives and its running effect evaluation. Through the investigation of three rural credit cooperatives area, analyzes the present situation of Shandong rural credit cooperatives in the operation are pointed out. The risk management of rural credit cooperatives problems, pointed out that China's rural credit cooperatives operating risks. Secondly from the three aspects of organization, system, process analysis of Shandong Province Rural Credit Cooperatives Operational Risk control system. Optimization of operational risk management from the governance environment, the establishment of an effective incentive mechanism, cultivating risk management personnel, the establishment of operational risk database, strengthening operation risk management consciousness and puts forward the Countermeasures of China's commercial banks operating risk countermeasures and suggestions to improve staff awareness of risk prevention.

【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】：F832.35

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