农行农户贷款操作风险的内部控制研究

发布时间：2018-06-28 11:01

本文选题：农业银行 + 农户贷款　；参考：《湖南大学》2012年硕士论文

【摘要】：相关数据表明，近20年间全世界有100多个国家发生了120多起银行危机，而这些危机几乎都与操作风险息息相关，操作风险的危害性已不容小觑。相对于信用风险管理和市场风险管理，中国银行业对操作风险研究和管理还处于起步阶段，远远落后于西方商业银行。然而，商业银行的竞争力最终体现在内部管理水平和风险控制建设上。所以，，借鉴现代商业银行管理经验并结合自身实际情况，改进操作风险内控制度，完善操作风险内部控制体系，对商业银行意义重大。本文首先回顾国内外学者对商业银行操作风险的研究成果并对商业银行内部控制和商业银行操作风险的相关理论进行了详细阐述，具体包括商业银行内部控制的含义、原则和特征，商业银行操作风险的定义、特征、分类、识别、评估和应对并分析了内部控制与操作风险之间的关系。然后在相关学者研究的基础上，以农行农户贷款为对象，本文提出了农行农户贷款操作风险的内部控制存在的问题并具体分析了农行农户操作风险内部控制问题存在的原因。最后，介绍了国外采用内部控制管理操作风险的经验，并结合农行农户贷款的实际情况提出了完善农行农户贷款操作风险内部控制的建议。
[Abstract]:The related data show that more than 120 banking crises have occurred in more than 100 countries in the world in the past 20 years, and these crises are almost closely related to operational risks, and the harm of operational risks cannot be underestimated. Compared with credit risk management and market risk management, the research and management of operational risk in China's banking industry is still in its infancy, which lags far behind that of western commercial banks. However, the competitiveness of commercial banks is ultimately reflected in the level of internal management and risk control construction. Therefore, it is of great significance for commercial banks to improve the internal control system of operational risk and perfect the internal control system of operational risk by learning from the management experience of modern commercial banks and combining with their own actual situation. Firstly, this paper reviews the domestic and foreign scholars' research results on the operational risk of commercial banks, and expounds in detail the internal control of commercial banks and the relevant theories of operational risks of commercial banks, including the meaning of internal control of commercial banks. The definition, characteristics, classification, identification, evaluation, response and analysis of the relationship between internal control and operational risk of commercial banks. Then, on the basis of the relevant scholars' research, this paper puts forward the problems existing in the internal control of the agricultural bank farmers' loan operation risk, and analyzes the reasons of the agricultural bank farmers' operating risk internal control problem. Finally, the paper introduces the experience of using internal control to manage the operational risk in foreign countries, and puts forward some suggestions to perfect the internal control of the operational risk of the farmers' loan in combination with the actual situation of Agricultural Bank of China (AgBank).
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43

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