华夏银行天津分行合规风险管理流程优化研究

发布时间：2018-03-07 18:30

本文选题：合规风险　切入点：风险管理　出处：《天津大学》2012年硕士论文　论文类型：学位论文

【摘要】：2008年全球金融危机之后，银行对合规风险管理的要求进一步提高。早在上世纪80年代，欧美学者已经对商业银行涉及到的合规风险管理问题进行验研究。进入21世纪，在强调银行业风险监管的巴塞尔协议之外，该委员会还专门发布《合规与银行内部合规部门》，强调合规风险管理是日趋重要且独立的风险管理职能，从此便受到银行实务界和监管部门的高度关注。不久之后，中国银监会也发布《商业银行合规风险管理指引》，目前，该《指引》已经成为指导中国商业银行进行合规管理方面的核心制度和权威文件。当前，经济金融形势存在较大的不确定性，银行强化合规经营的形势日趋紧迫。然而，以往的研究大多集中在行业层面，篇幅多集中介绍国外银行的先进经验，而没有剖析我国商业银行面临的实际情况，进而做出机制设计方面的政策建议，导致银行实际经营中出现诸多合规风险管理机制的缺陷。本文以华夏银行天津分行为例，阐述了其合规风险管理制度的现状、主要流程和存在的主要问题，并具体分析了华夏银行天津分行风险管理的政策要求、制度及其流程化的现状。然后，分析对国内外先进银行合规管理制度，具体包括组织架构、合规风险管理制度和合规风险管理流程等，对比得出华夏银行天津分行与先进银行的差距并在此基础上提出改进方法，主要有树立全新的合规风险管理观念、构建完善的合规风险管理体制、扩宽现有的合规风险管理范围、流程化合规风险管理制度等。本文的第六部分则具体分析了流程优化设计的一些问题，包括其影响因素、优化目标和原则、优化方法和操作等。
[Abstract]:In 2008, after the global financial crisis, banks' requirements for compliance risk management were raised further. As early as -20s, European and American scholars have conducted a test study on compliance risk management issues involving commercial banks. In addition to the Basel Accord, which emphasizes the regulation of banking risks, the committee has issued the Compliance and Internal Compliance Department of Banks, stressing that compliance risk management is an increasingly important and independent risk management function, Soon after, the China Banking Regulatory Commission also issued the guidelines on Compliance risk Management of Commercial Banks. At present, The guideline has become the core system and authoritative document to guide the compliance management of Chinese commercial banks. At present, there is greater uncertainty in the economic and financial situation, and it is becoming increasingly urgent for banks to strengthen their compliance operations. However, previous studies have mostly focused on the industry level and have focused on introducing the advanced experience of foreign banks. Without analyzing the actual situation faced by commercial banks in our country, and then making policy recommendations on mechanism design, there are many defects of compliance risk management mechanism in the actual operation of banks. Taking Huaxia Bank Tianjin Branch as an example, this paper expounds the current situation, main process and main problems of its compliance risk management system, and analyzes the policy requirements of risk management in Huaxia Bank Tianjin Branch. Then, it analyzes the domestic and foreign advanced bank compliance management system, including the organizational structure, compliance risk management system and compliance risk management process, etc. By comparing the gap between Tianjin Branch of Huaxia Bank and advanced banks, the author puts forward the improvement methods, which mainly include setting up a new concept of compliance risk management and constructing a perfect compliance risk management system. The 6th part of this paper analyzes some problems of process optimization design, including its influencing factors, optimization objectives and principles, optimization methods and operations, etc.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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