J银行的财务风险管理研究

发布时间：2018-04-23 18:55

本文选题：商业银行 + 财务风险　；参考：《吉林财经大学》2015年硕士论文

【摘要】：在市场经济复杂多变的大环境中,商业银行在经营过程中会面临各类风险。而商业银行目前的主要工作是对资金进行管理,财务风险成了商业银行所面临的最主要风险之一。财务风险产生于银行财务运营的各个环节,具体表现在资本风险、流动性风险等方面。因此在了解我国商业银行财务风险的含义及重要性的基础上,对财务风险进行预防和控制对商业银行来说具有重要的意义。笔者采用文献研究法通过阅读和分析国内外文献,了解国内外相关研究动态,借鉴前人的研究思路和方法,加入自己的想法和思考并展开研究。再结合案例研究法,以J银行的财务风险状况为例,在分析J银行财务风险管理现状及风险成因的基础上相应的提出具有针对性的建议,以加强商业银行财务风险管理及合理规避商业银行财务风险。本文第一章对财务风险管理的国内外文献进行概括综述,阐述了对商业银行财务风险管理的研究意义;第二章论述了商业银行财务风险管理的理论基础,商业银行财务风险管理理论经历不同阶段,是一个逐渐完善的过程;第三章结合J银行具体情况分析J银行的财务风险,并总结了J银行对财务风险的管理内容;第四章分析了J银行在财务风险管理中暴露的问题,并针对问题提出了解决建议;第五章对整篇文章进行了总结和展望,以J银行为例对商业银行的财务风险管理的借鉴意义。本文的创新之处在于以J银行为例,对我国商业银行的财务风险管理问题进行了较为全面的研究分析,J银行成立时间短,作为年轻企业,J银行少有被作为案例从商业银行财务风险管理的角度进行分析,在研究内容上有所创新。笔者在对J银行的财务风险管理对策进行探讨时,在问题的解决措施上也有创新,提出了将大数据技术应用于财务风险管理当中,建立信用风险评级体系,以有效控制商业银行的信用风险。
[Abstract]:In the complicated and changeable environment of market economy, commercial banks will face all kinds of risks in the course of operation. At present, the main work of commercial banks is to manage funds, and financial risk has become one of the most important risks faced by commercial banks. Financial risk comes from every link of bank financial operation, which is manifested in capital risk, liquidity risk and so on. Therefore, on the basis of understanding the meaning and importance of financial risk of commercial banks in China, it is of great significance to prevent and control financial risks for commercial banks. By reading and analyzing the domestic and foreign literature, the author uses the literature research method to understand the research trends at home and abroad, draws lessons from the previous research ideas and methods, and adds his own ideas and thoughts and carries out the research. Combined with the case study method, taking the financial risk situation of bank J as an example, this paper puts forward corresponding suggestions on the basis of analyzing the present situation and causes of financial risk management of J bank. In order to strengthen the commercial bank financial risk management and reasonable avoidance of commercial bank financial risk. The first chapter summarizes the domestic and international literature on financial risk management, expounds the significance of the research on the financial risk management of commercial banks, the second chapter discusses the theoretical basis of financial risk management of commercial banks. The theory of financial risk management of commercial banks goes through different stages, which is a gradual improvement process. Chapter three analyzes the financial risks of Bank J in combination with the specific situation of Bank J, and summarizes the management contents of financial risks in Bank J. Chapter four analyzes the problems exposed by J Bank in the financial risk management, and puts forward some suggestions to solve the problems. Chapter five summarizes and prospects the whole article, taking J Bank as an example, the reference significance of the financial risk management of commercial banks is given. The innovation of this paper is that taking J Bank as an example, this paper makes a comprehensive study on the financial risk management of commercial banks in China. As a young enterprise, Bank J is rarely used as a case to analyze the financial risk management of commercial banks. When the author discusses the financial risk management countermeasures of J Bank, there are some innovations in solving the problems. The author puts forward the application of big data technology to the financial risk management and the establishment of credit risk rating system. To effectively control the credit risk of commercial banks.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F830.42

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