我国商业银行经营创新中的风险管理问题研究

发布时间：2018-01-06 01:29

本文关键词：我国商业银行经营创新中的风险管理问题研究　出处：《东北师范大学》2012年硕士论文　论文类型：学位论文

【摘要】：商业银行经营创新主要是由于商业银行面对市场经营环境变化所作出的发展战略的调整，是为了适应经济发展过程中出现的银行间竞争加剧、市场中的流动性过剩、消费客户群体结构变化、金融脱媒现象等外部经营环境变化而做出的自我经营方式的转变。从我国商业银行内部管理分析，主要是传统的经营思维仍然存在，管理模式落后等需要从银行内部进行发展转型。同时还应看到，随着商业银行经营目标向多元化转变，全面控制风险的产生，降低交易成本，调整经营发展战略、优化主营业务结构、积极应对市场风险的影响，适应市场需求的变化，，成为商业银行风险控制过程中面临的主要问题。只有实现商业银行经营创新，构建完善的资产配置体系，拓展利润空间，才能有效的分散风险，同时加强商业银行的内部管理，形成完善的风险控制体系，才能为商业银行经营创新提供制度保障。本篇论文共分为四个部分：第一部分总结了商业银行创新和风险管理的主要理论及其演变过程，并分析了我国商业银行经营发展中存在的主要问题，风险管理的现状，提出了加强经营创新与风险管理的重要意义。第二部分重点从商业银行间的同业竞争压力、经营成本不断上升的压力增强、银行与企业之间的关系发生转变、社会经济发展和居民收入水平增加要求金融创新、我国商业银行加强经营管理也要求经营创新等方面分析了我国商业银行经营创新的主要动力和经营创新中产生的风险成因。第三部分主要介绍了国外商业银行在经营创新过程中产生的教训、世界著名商业银行风险控制的成功经验。第四部分从对风险产生的内控管理水平、加强跨国经营中的风险控制、建立起行之有效的预警管理体系、城市商业银行经营创新中加强风险防范、加强对商业银行投行业务的风险控制等角度提出在经营创新中加强风险管理的对策。
[Abstract]:The operation innovation of commercial banks is mainly due to the adjustment of the development strategy made by commercial banks in the face of the changes in the market operating environment, in order to adapt to the intensification of inter-bank competition in the process of economic development. The changes in the external operating environment, such as excess liquidity in the market, changes in the structure of consumer customer groups, financial disintermediation, etc., are analyzed from the internal management of commercial banks in China. The main reason is that the traditional management thinking still exists, and the backward management mode needs to be developed and transformed from the inside of the bank. At the same time, we should also see that with the diversification of the business objectives of commercial banks, the overall control of risk generation, reduce transaction costs, adjust business development strategy, optimize the main business structure. Coping with the influence of market risk and adapting to the change of market demand have become the main problems in the process of risk control of commercial banks. Only by realizing business innovation of commercial banks and constructing a perfect asset allocation system. Only by expanding profit space can we effectively disperse risks, strengthen the internal management of commercial banks, form a perfect risk control system, and provide system guarantee for commercial banks' operation innovation. This thesis is divided into four parts: the first part summarizes the main theories and evolution process of commercial bank innovation and risk management, and analyzes the main problems in the development of commercial bank management in China. The current situation of risk management, put forward the importance of strengthening business innovation and risk management. The second part focuses on the interbank competition pressure between commercial banks, the increasing pressure of operating costs. The relationship between banks and enterprises has changed, the social and economic development and the increase of residents' income level require financial innovation. This paper analyzes the main motive force and the risk causes of the management innovation of the commercial banks in our country. The third part mainly introduces the foreign commercial banks in the foreign commercial banks in the foreign commercial banks in the foreign commercial banks in the third part of the introduction of foreign commercial banks in the foreign commercial banks in the third part. Lessons learned from the process of business innovation. The successful experience of the world famous commercial bank risk control. 4th part from the risk management level of internal control, strengthen the risk control in transnational operation, establish an effective early warning management system. This paper puts forward the countermeasures of strengthening risk management in the management innovation of city commercial banks from the angles of strengthening risk prevention and strengthening the risk control of investment banking business of commercial banks.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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