中国工商银行电子银行业务风险评价研究

发布时间：2018-05-20 13:18

本文选题：电子银行 + 风险识别　；参考：《哈尔滨理工大学》2012年硕士论文

【摘要】：1984年,中国工商银行成立。经过20多年的改革发展,中国工商银行已经步入了发展规模和质量效益协调稳健的发展轨道,并且其资产规模在我国国内商业银行中位居首列。另外,面对复杂多变的国际国内环境,中国工商银行坚持以转变发展方式为主线,积极推动经营结构调整和业务创新,保持了业务的稳健发展和盈利的稳定增长,继续成为全球盈利、市值、客户存款和品牌价值第一的上市银行。电子银行业务作为一项全新的金融服务方式和经营渠道,不仅为银行传统业务带来了新的挑战和发展机遇,极大程度地提高了银行的服务水平,同时,也使得银行在提供这项业务时面临着新的风险和困难。为了更好地开展电子银行业务,如何有效防范电子银行风险,促进金融业安全稳健运行已成为当前亟需解决的重要问题。与西方发达国家相比,我国国内电子银行发展水平还相对滞后,对电子银行的认识不够全面,对影响电子银行业务发展的风险因素缺乏系统地研究。因此,加强对电子银行业务风险问题的研究,并按照风险管理的思路,探索科学合理地电子银行业务风险防范对策,从而更好的开展电子银行业务。本文在对中国工商银行电子银行业务的现状进行分析的基础上,运用风险评价理论,对工行电子银行业务技术层面和业务层面的风险因素进行研究。主要采用定性分析与定量分析相结合的方法对电子银行风险进行识别,分别从技术层面和操作层面两个维度选取评价指标,构建中国工商银行电子银行风险评价体系,同时利用层次分析法对各层次风险指标的权重进行了计算,综合评价了影响工行电子银行业务风险的各项因素,最后对如何有效防范中国工商银行电子银行业务风险提出了对策与建议。本文对中国工商银行电子银行业务风险做了全面的分析与评价,提出了具有实际意义并且有针对性的风险防范措施,从而不断提高中国工商银行的电子银行业务风险防范水平和风险防范能力。
[Abstract]:In 1984, the Industrial and Commercial Bank of China was established. After more than 20 years' reform and development, ICBC has stepped into the track of harmonious development of development scale and quality and benefit, and its asset scale ranks first among domestic commercial banks in China. In addition, in the face of a complex and changeable international and domestic environment, the Industrial and Commercial Bank of China adheres to the principle of changing the mode of development, actively promotes the adjustment of the operation structure and business innovation, and maintains the steady development of business and steady growth of profits. Continue to be the first listed bank to make global profits, market value, customer deposits and brand value. Electronic banking, as a new financial service mode and management channel, not only brings new challenges and development opportunities to the traditional banking business, but also greatly improves the service level of banks, at the same time, It also makes banks face new risks and difficulties in providing this business. In order to develop the electronic banking business effectively how to prevent the risks of electronic banking and promote the safe and stable operation of the financial industry has become an important problem that needs to be solved. Compared with the western developed countries, China's domestic electronic banking development level is relatively lagging behind, the understanding of electronic banking is not comprehensive enough, and the risk factors that affect the development of electronic banking business are not systematically studied. Therefore, we should strengthen the research on the risk of electronic banking, and explore the scientific and reasonable countermeasures to prevent the risks of electronic banking according to the idea of risk management, so as to better carry out the business of electronic banking. Based on the analysis of the current situation of ICBC's electronic banking business, this paper studies the technical and business risk factors of ICBC's electronic banking business by using the theory of risk evaluation. This paper mainly adopts the method of qualitative analysis and quantitative analysis to identify the risk of electronic bank, selects the evaluation index from the technical level and the operational level, and constructs the evaluation system of industrial and commercial bank of China. At the same time, the weight of the risk index is calculated by AHP, and the factors influencing the risk of ICBC electronic banking are comprehensively evaluated. Finally, the countermeasures and suggestions on how to effectively prevent the risks of ICBC electronic banking are put forward. This paper makes a comprehensive analysis and evaluation of the risks of ICBC's electronic banking business, and puts forward some practical and targeted risk prevention measures. In order to continuously improve the ICBC electronic banking business risk prevention level and risk prevention ability.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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