广州农商银行操作风险内部控制研究

发布时间：2018-03-01 18:41

本文关键词： 广州农商银行操作风险内部控制　出处：《西北大学》2012年硕士论文　论文类型：学位论文

【摘要】：风险管理对于银行业来说是一个永恒的主题,本质上来说,银行业就是经营风险的行业。近几年来,随着金融服务不断全球化,金融工具的不断创新,业务范围的扩张,银行机构由于系统或人员操作失误等原因而导致的案件屡见报端,逐渐引起银行监管者、银行机构本身以及专家学者的高度关注。操作风险管理与银行业的发展密切相关,是银行机构打造核心竞争力的重要手段,操作风险管理的效果如何直接影响着银行机构的效益。本文以广州农商银行操作风险为研究对象,运用理论联系实际、比较分析、归纳演绎等方法,紧紧围绕操作风险管理以及内部控制相关理论,结合实际操作进行详细的论述。文章所论述的研究对象和研究内容包括操作风险管理一般理论、内部控制一般理论,同时借鉴国外先进银行在操作风险管理领域的经验,结合国内商业银行操作风险管理实际情况,重点分析广州农商银行操作风险管理内部控制现状、存在问题及其存在的原因。从而设计完善的广州农商银行操作风险内部控制方案,提出广州农商银行操作风险内部控制方案的具体实施措施。通过对广州农商银行操作风险内部控制管理的研究,逐步树立全面的风险防控意识,把防止操作风险发生放在一个重要的位置,才能确保广州农商银行健康、持续、稳定的发展。
[Abstract]:Risk management is an eternal theme for the banking industry. In essence, the banking industry is an industry operating risk. In recent years, with the globalization of financial services, the continuous innovation of financial instruments, the expansion of business scope, The cases caused by system or personnel misoperation in banking institutions are frequently reported, which has gradually aroused the high attention of bank regulators, banks themselves and experts and scholars. The operational risk management is closely related to the development of the banking industry. It is an important means for banking institutions to build core competitiveness. The effect of operational risk management directly affects the efficiency of banking institutions. This paper takes the operation risk of Guangzhou Agricultural and Commercial Bank as the research object, using the methods of combining theory with practice, comparing and analyzing, inducting deduction and so on, tightly revolves around the operation risk management as well as the related theory of internal control. The research object and contents of this paper include the general theory of operational risk management, the general theory of internal control, and the experience of foreign advanced banks in the field of operational risk management. Combined with the actual situation of operational risk management of domestic commercial banks, this paper focuses on the analysis of the current situation of the internal control of operational risk management of Guangzhou Agricultural and Commercial Bank. The existing problems and their causes, so as to design a perfect internal control scheme of the operational risk of Guangzhou Agricultural and Commercial Bank, and put forward the concrete implementation measures of the internal control scheme of the operational risk of Guangzhou Agricultural and Commercial Bank. Through the study on the internal control and management of the operational risks of Guangzhou Agricultural and Commercial Bank, we should gradually establish a comprehensive awareness of risk prevention and control and put the prevention of operational risks in an important position, in order to ensure the health and sustainability of Guangzhou Agricultural and Commercial Bank. Steady development
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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