建设银行前后台分离改革后操作风险管理研究

发布时间：2018-05-06 20:06

本文选题：稳健经营 + 前后台分离改革　；参考：《南昌大学》2012年硕士论文

【摘要】：近30年来,国际先进商业银行借助IT技术,掀起了以后台业务运营集约化为核心的业务模式变革,成效明显。建行于2008年底启动了深化前后台业务分离项目改革,改革的核心内容是对涉及柜面业务的流程重组,届时,多项产品和结算业务的办理流程都将发生巨大的变化,对全行的风险管理体制、内部控制体系都提出了更高的要求。建设银行作为五大国有商业银行之一,深化前后台分离项目的推出开创了国有大型商业银行业务集约化的先河。本文通过对改革后操作风险管理研究,一是为项目上线后平稳运行提供理论参考,有利于加强后续的风险控制和监管；二是国有大型商业银行的前后台分离项目均处于起步阶段,希望通过研究探讨柜面业务前后台分离后可能导致的风险问题,为促进和完善国有商业银行操作风险防范体系提供有价值的建议。本文以操作风险管理相关理论为基础,通过对建设银行风险管理现状和前后台分离改革后风险进行分析,结合国内外商业银行操作风险管理经验比较借鉴,以此发现建设银行操作风险管理的不足,并提出具体的防范措施。本文在结构上共分6章。其中：第1章为导论；第2章商业银行前后台分离和操作风险管理理论概述；第3章建设银行风险管理现状和前后台分离改革后操作风险分析；第4章国内外商业银行风险管理经验借鉴比较；第5章建设银行前后台分离改革后风险防范措施；第6章结论与展望。文章重点分析了建设银行前后台分离改革的必要性和改革后操作风险的主要表现形式,包括内外部欺诈风险,客户、产品与商业行为风险,执行交割和流程管理风险,经营中断和系统错误风险等；针对建设银行在操作风险管理中存在的主要问题,分别提出了加强文化建设,健全操作风险管理组织架构,完善操作风险管理流程,加强内部控制等一系列针对前后台分离改革后操作风险防范的措施。
[Abstract]:In the past 30 years, the international advanced commercial banks, with the help of IT technology, have set off a transformation of the business model in which Taiwan's business operations become intensive, and the results are obvious. At the end of 2008, CCB launched the reform of deepening the front and back business separation project. The core content of the reform is the reengineering of the process involving counter business. At that time, the processing process of a number of products and settlement services will undergo tremendous changes. To the whole bank's risk management system, the internal control system has put forward the higher request. As one of the five state-owned commercial banks, the launch of the project of deepening the separation of the front and back has created the first step of the intensive business of the state-owned large commercial banks. Through the study of operational risk management after the reform, the first is to provide theoretical reference for the smooth operation of the project after going online, which is conducive to strengthening the subsequent risk control and supervision; Second, the front and back separation projects of large state-owned commercial banks are all in the initial stage, hoping to discuss the risk problems that may result from the separation of the front and back scenes of the counter business through research. To promote and improve the operational risk prevention system of state-owned commercial banks to provide valuable advice. Based on the theory of operational risk management, this paper analyzes the current situation of risk management of China Construction Bank and the risk after the separation of the front and back, and combines the operational risk management experience of commercial banks at home and abroad for reference. In order to find out the shortcomings of operational risk management in China Construction Bank, and put forward specific preventive measures. This paper is divided into 6 chapters in structure. The first chapter is the introduction, the second chapter is the overview of the theory of separation and operation risk management of commercial banks, the third chapter is the current situation of risk management of China Construction Bank and the analysis of operational risk after the reform of separation of front and background. Chapter 4 draws lessons from the domestic and foreign commercial banks' risk management experience; chapter 5, the risk prevention measures after the separation of the front and back of the construction bank; chapter 6, the conclusion and prospect. This paper mainly analyzes the necessity of the reform of China Construction Bank and the main forms of operational risk after the reform, including internal and external fraud risk, customer risk, product and business behavior risk, execution delivery risk and process management risk. In view of the main problems existing in the operation risk management of China Construction Bank, the paper puts forward separately strengthening the cultural construction, perfecting the organizational structure of operational risk management, perfecting the operation risk management process, Strengthen the internal control and a series of measures to prevent the operational risk after the reform.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】