湛江市商业银行经营风险管理能力评价研究

发布时间：2018-01-06 17:19

本文关键词：湛江市商业银行经营风险管理能力评价研究　出处：《中南大学》2012年硕士论文　论文类型：学位论文

【摘要】：商业银行是经营风险高度集中的企业,经营风险贯穿于城市商业银行的经营过程。面对复杂多变的世界社会、经济、金融局势,以及世界金融一体化的深入发展,国内的商业银行越来越多地受到国际经济环境的影响,金融机构的竞争越来越激烈,金融的动荡加剧了商业银行的经营风险。因此,商业银行加强经营风险管理能力显得十分重要和紧迫。本课题通过对我国城市商业银行经营风险理论的研究,从素质表现和现实评价两个方面构建城市商业银行经营风险管理能力评价体系,进而根据湛江市商业银行的经营特征,确定湛江市商业银行经营过程中风险管理能力评价指标体系。评价发现湛江市商业银行经营过程中存在员工满意度低、风险管理奖励力度小、风险管理软件应用的有效性较低、信息化水平不高、员工素质不高等问题。相应提出了树立可持续发展的风险管理理念、实施以人为本的风险管理等对策来提高湛江市商业银行经营风险管理能力。本课题力求在以下两个方面有所创新,一是从我国城市商业银行经营风险管理能力素质表现和管理能力现实评价两个方面构建了一般商业银行经营风险管理能力评价指标体系；二是以湛江市商业银行为例探讨了城市商业银行经营风险管理能力的评价指标体系。
[Abstract]:Commercial banks are highly concentrated enterprises with high operational risk . The operational risk runs through the operation process of urban commercial banks . In the face of complex and changeable world social , economic , financial situation , and the deeper development of world financial integration , domestic commercial banks are increasingly affected by the international economic environment , the competition of financial institutions is getting more and more fierce , the financial turmoil has aggravated the operational risk of commercial banks . Therefore , it is very important and urgent to strengthen the management ability of the commercial banks . Based on the research on the management risk theory of urban commercial banks in China , the paper constructs the evaluation system of risk management ability of the commercial banks from two aspects of quality performance and realistic evaluation , and then determines the index system of risk management ability in the course of the operation of commercial banks in Zhanjiang City . This paper attempts to innovate in two aspects : First , the evaluation index system of management ability of general commercial banks is constructed from two aspects : the performance of management ability of urban commercial banks ' management ability and the realistic evaluation of management ability .

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

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