我国商业银行操作风险的成因及对策研究

发布时间：2018-01-07 02:10

本文关键词：我国商业银行操作风险的成因及对策研究　出处：《河南大学》2012年硕士论文　论文类型：学位论文

【摘要】：商业银行是现代金融业的重要组成部分，是以经营货币为主要业务的高风险行业。随着全球经济加速融合，银行业长足发展，逐步呈现出混业化、巨型化、表外化、衍生化特点，这也导致其经营环境更为复杂；2007年美国爆发的次贷危机，引发全球经济陷入衰退困境，更使商业银行在操作风险管理上面临新的挑战。面对世界各国频频爆发的操作风险事故，金融界和监管当局开始对操作风险加倍关注，，对操作风险进行深入研究并提出防范对策也成为商业银行经营管理的一项重大课题。本文通过理论联系实际、定性分析等方法阐述了我国商业银行操作风险管理的现状，从多角度探析了操作风险的成因，并在分析国外典型案例的基础上，结合中国国情实际，就如何完善操作风险管理体系，从而防范商业银行操作风险提出相关建议。第一章引言，主要介绍本文的研究背景及意义，分类阐述了国内外的研究动向和研究成果，并引出本文研究的重点——我国商业银行操作风险的成因及防范对策；第二章是对操作风险的界定，从操作风险的定义、分类、特征等方面对操作风险展开详细阐述。第三章，介绍我国商业银行操作风险的管理现状，从多个角度层面分析了商业银行操作风险的成因；第四章，通过“巴林银行倒闭案”，深入分析了商业银行操作风险的成因及后果，为下一章的对策研究打下坚实基础。第五章，结合中国国情实际，从构建权责明晰的操作风险管理架构、完善内控机制、优化流程管理、建立健全激励和约束机制、强化人力资源管理、改善外部环境等六个方面提出了防范操作风险的对策和建议。最后一部分是结论。与以往研究方法不同的是，本文没有单纯借鉴国际先进银行的操作风险管理经验展开定性研究，而是通过经典案例的分析对操作风险的成因、后果进行深入剖析，进而提出有效的防范对策，旨在杜绝我国对国外操作风险管理先进经验的“拿来主义”，这正是本文的创新之处。
[Abstract]:Commercial bank is an important part of modern financial industry, which is a high-risk industry with currency as the main business. With the rapid integration of global economy, the banking industry has developed rapidly, gradually showing mixed operation, mega-industry. The characteristics of externalization and derivation also lead to a more complex business environment; In 2007, the subprime mortgage crisis broke out in the United States, which caused the global economy to fall into recession, which made commercial banks face new challenges in operational risk management, and faced with the frequent outbreak of operational risk accidents around the world. Financial circles and regulatory authorities began to pay more attention to operational risks. It has become an important subject for commercial banks to conduct in-depth research on operational risks and put forward preventive measures. This paper expounds the present situation of operational risk management of commercial banks in China by means of combining theory with practice, qualitative analysis and so on, analyzes the causes of operational risk from various angles, and analyzes the typical cases of foreign countries. Combined with the actual situation of China, how to improve the operational risk management system, so as to prevent the operational risk of commercial banks put forward relevant recommendations. Chapter one introduction, mainly introduces the research background and significance of this paper. This paper expounds the research trend and research results at home and abroad, and leads to the focal point of this paper, namely, the cause of formation of operational risks of commercial banks in China and the countermeasures against them. The second chapter is the definition of operational risk, from the definition of operational risk, classification, characteristics and other aspects of operational risk in detail. Chapter three, introduce the management of operational risk of commercial banks in China. The causes of operational risk of commercial banks are analyzed from several angles. Chapter 4th, through "Bahrain Bank bankruptcy case", in-depth analysis of the causes and consequences of the operational risks of commercial banks, for the next chapter of the study of countermeasures laid a solid foundation. 5th chapter, combined with the actual situation of China. From the construction of clear authority and responsibility of operational risk management framework, improve the internal control mechanism, optimize process management, establish and improve incentive and constraint mechanisms, strengthen human resources management. Six aspects, such as improving the external environment, are put forward to prevent operational risks. The last part is the conclusion. Different from the previous research methods, this paper does not simply learn from the international advanced bank operational risk management experience to carry out qualitative research, but through the classic case analysis of the causes of operational risk. The result is analyzed in depth, and then effective countermeasures are put forward, aiming at putting an end to our country's "taking advantage" of the advanced experience of foreign operational risk management, which is exactly the innovation of this paper.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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