基于标准化流程的M银行操作风险控制研究

发布时间：2018-06-28 23:20

本文选题：M银行 + 银行操作风险　；参考：《辽宁大学》2012年硕士论文

【摘要】：M银行是金融体系的支柱,是国民经济的命脉,也是国家金融业重要的组成部分。M银行的业务流程设计与管理如何,将直接关系到银行甚至整个金融体系的稳定以及国民经济的健康发展。虽然我国金融业国际接轨的程度相对较低,国际上发生的金融危机对我国M银行未形成致命的打击。我国正处于经济转型的过程中,各类银行如雨后春笋,在各个大中小城市不断地出现,并呈现出了激烈竞争和跑马圈地的扩张态势。由于银行与银行之间相互联动,相互影响,一旦出现局部以及关联风险,危机就会迅速波及到整个金融体系,从而影响整个国民经济的健康发展和社会的安定。东南亚危机导致的泰国的政治变革,美国次贷危机造成的全球股市大幅下跌,并且愈演愈烈成为全球金融危机；这些事实都说明了银行业的风险危害范围和影响深度是巨大的。本文研究意义：近些年,银行监管机构和国际银行业越来越重视和防范操作风险,在关注商业银行的市场风险和信用风险的同时。巴塞尔银行监管委员会在《新资本协议》中,对商业银行的操作风险提出了新的资本监管的要求,而且是继市场风险、信用风险这两个风险之后,本文对于银行业操作风险管理的研究和实践具有一定的参考价值和意义。本文研究所采用的方法：论文形式为案例研究。涉及的方法包括：规范研究法、综合分析法、案例法。本文最后得出的结论：随着金融衍生品业务的发展迅速,银行业务量的不断加大,商业银行业务类型的不断增多,其操作风险也随着加大。本文基于标准化流程出发,根据我国的实际情况,以M银行某分行为例,对当前银行在经营过程中的风险管理的一些问题进行了探讨。针对提出的案例,本文对M银行操作风险的主要方面进行了梳理与分析,对M银行操作风险进行了概述,对我国M银行的经营现状和经过过程的操作风险问题进行分类阐述,分析了这些风险事件问题产生的原因,进一步地提出了基于标准化流程的完善和加强M银行操作风险管理的对策。即通过业务流程的重构,将操作风险的监控流程与银行业务流程建立其有效的衔接,实现可支持识别、分析与评价操作风险的动态管理过程。
[Abstract]:M Bank is the pillar of the financial system and the lifeblood of the national economy. It is also an important part of the national financial industry. How to design and manage the business process of the bank. It will have a direct bearing on the stability of the banking system and the healthy development of the national economy. Although the degree of international integration of China's financial industry is relatively low, the international financial crisis has not formed a fatal blow to China's M Bank. Our country is in the process of economic transformation, all kinds of banks are springing up in every big, medium and small cities, and showing the fierce competition and the expanding situation of running horses. As banks and banks interact with each other, once there are local and associated risks, the crisis will quickly spread to the entire financial system, thus affecting the healthy development of the entire national economy and social stability. The political change in Thailand caused by the Southeast Asian crisis and the sharp drop in global stock market caused by the U.S. subprime mortgage crisis and the growing global financial crisis all show that the scope and depth of the banking risks are enormous. The significance of this paper: in recent years, bank regulators and international banks pay more and more attention to operational risks, while paying close attention to the market risk and credit risk of commercial banks. In the New Capital Accord, the Basel Committee on Banking Supervision put forward new requirements of capital supervision on the operational risk of commercial banks, and after the two risks of market risk and credit risk, This article has certain reference value and significance to the banking operation risk management research and the practice. The method used in this paper is case study. The methods involved include: normative research method, comprehensive analysis method, case law. The conclusion of this paper is as follows: with the rapid development of financial derivatives business, the volume of banking business is increasing, the types of commercial bank business is increasing, and the operational risk is also increasing. Based on the standardization process and according to the actual situation of our country, this paper takes a branch of M Bank as an example to discuss some problems of risk management in the course of operation. In this paper, the main aspects of M bank operational risk are combed and analyzed, the M bank operational risk is summarized, and the operation status of M bank in China and the operational risk problems through the process are classified and expounded. This paper analyzes the causes of these risk events, and further puts forward the countermeasures to improve the operation risk management based on the standardization process and to strengthen the operation risk management of M Bank. That is, through the reconfiguration of business process, the monitoring process of operational risk and the business process of bank can be effectively linked to realize the dynamic management process that can support identification, analysis and evaluation of operational risk.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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