中国邮政储蓄银行柜面业务操作风险管理研究

发布时间：2018-05-07 13:25

本文选题：中国邮政储蓄银行 + 柜面业务操作风险　；参考：《吉林大学》2012年硕士论文

【摘要】：风险管理是商业银行的生命线。银行是一个高风险的行业，特别是20世纪90年代以来的巴林银行、大和银行事件成为操作风险研究的典型案例。1995年巴林银行新加坡分行交易员里森长期摆脱内部监控系统，进行期货交易造成13.9亿美元巨额损失，而导致拥有232年历史的巴林银行推上破产之路。1996日本大和银行纽约分行由于交易的前后台没有分离，致使高级管理人员在交易中制造假账，越权炒卖美国长期国债亏损高达11亿美元，致其全部停止在美业务。在世界各国的银行危机中，几乎所有被政府接管、倒闭的银行，都是因为在风险管理和控制方面出现了严重问题。国内有海南发展银行、广东国际信托投资公司被关闭，以及光大国际信托投资公司被撤销，2009年北京农商行4.6亿骗贷案，2011年年初的齐鲁银行伪造金融票据案件，都暴露了商业银行及金融机构风险管理上存在的漏洞。而中国邮政储蓄银行也发生过黑龙江联网核查漏洞案件，还时有因柜员失误，强扣储户资金、或误导销售，导致客户损失的报道出现。从国内外银行业所发生的一系列大事件看，，都与操作风险有关。巴塞尔委员2002年针对全球89家大型银行进行一次全球性操作风险的调查,共报告了4.7万件超过1万欧元损失的操作风险事件，损失近80亿欧元，平均每家银行发生528起，其中5家超过2000起。有人将操作风险称为“细节中的魔鬼”。这足见操作风险在银行风险中发生的普遍性。中国邮政储蓄银行自成立以来，就非常重视风险管理，在成立之初单独成立风险合规部门，加强风险管理和防控。目前在操作风险管理方面已取得了初步成效，但距离全面、有效的风险防控体制的形成还有很长的一段路要走。该文从柜面业务操作风险管理的角度对中国邮政储蓄银行的风险管理进行了探讨研究。从掌握的文献资料上看，对商业银行柜面业务操作风险的研究较少，而针对转型中的中国邮政储蓄银行的柜面业务操作风险的研究可以说是凤毛麟角。该文从中国邮政储蓄银行主要业务入手，分析了各个业务条线存在的柜面业务操作风险隐患，客观阐述了中国邮政储蓄银行的柜面业务操作风险管理所面临的困难和亟需解决的问题。最后作者提出了中国邮政储蓄银行的柜面业务操作风险管理方面自己的见解和主张，是一篇结构完整，论述缜密的学术论文。综上所述，该论文学术价值上丰富了操作风险管理的内容；现实价值上为中国邮政储蓄银行的柜面业务操作风险管理提供了参考。有利于从制度和组织结构层面上，促使银行构建全面、科学的风险管理理念，建立全面、有效的风险管理体系。
[Abstract]:Risk management is the lifeline of commercial banks. The bank is a high-risk industry, especially the Bahraini Bank since the 1990s. The Daiwa incident has become a typical example of operational risk research. In 1995, Rison, a trader at the Bank of Bahrain's Singapore branch, had long been out of the internal control system. Futures trading resulted in huge losses of $1.39 billion, which led the 232-year-old Bahraini Bank to go bankrupt. 1996 Daiwa Bank New York Branch was not separated by the front and back of the transaction. Leading senior executives to create fake accounts in deals and overrun the sale of long-term U.S. Treasuries lost as much as $1.1 billion, causing them to shut down all their operations in the United States. In the banking crisis around the world, almost all the banks that were taken over and failed by the government were due to serious problems in risk management and control. In China, there are Hainan Development Bank, Guangdong International Trust and Investment Company closed, Everbright International Trust and Investment Company cancelled, Beijing Agricultural and Commercial Bank 460 million fraud case in 2009, Qilu Bank forgery of financial instruments case in early 2011. All exposed the commercial bank and the financial institution risk management existence loophole. The China Post and savings Bank has also happened in Heilongjiang network to check loopholes cases, but also sometimes due to teller errors, forced deposit funds, or misleading sales, resulting in customer losses reports appear. From the domestic and foreign banking industry a series of major events, all related to operational risk. The Basel Committee conducted a global operational risk survey on 89 large banks around the world in 2002, reporting 47000 operational risk events with losses of more than 10, 000 euros, with losses of nearly 8 billion euros, with an average of 528 operational risks per bank. Five of them were more than 2000. Some call operational risk "the devil in detail". This shows the universality of operational risk in the bank risk. Since its establishment, the Postal savings Bank of China has attached great importance to risk management, set up a separate risk compliance department at the beginning of its establishment, and strengthened risk management and prevention and control. At present, initial achievements have been made in operational risk management, but there is still a long way to go for the formation of comprehensive and effective risk prevention and control system. This paper discusses the risk management of China Postal savings Bank from the point of view of the operational risk management of counter business. From the view of the literature, there are few researches on the operational risk of the commercial bank's counter business, but the research on the operational risk of the China Post savings Bank's container business is rare. Starting from the main business of China Postal savings Bank, this paper analyzes the hidden risks of counter business operation in each line of business. This paper objectively expounds the difficulties faced by the operation risk management of China Post savings Bank's counter business and the problems that need to be solved. Finally, the author puts forward his own opinions and opinions on the operational risk management of China Postal savings Bank's counter business, which is a well-structured and meticulous academic paper. To sum up, the academic value of this paper enriches the content of operational risk management, and the practical value provides a reference for the operational risk management of China Postal savings Bank's counter business. It is beneficial for the banks to construct a comprehensive and scientific risk management concept and establish a comprehensive and effective risk management system from the level of system and organizational structure.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】