我国商业银行中间业务风险管理研究
发布时间：2018-09-03 14:04
【摘要】： 金融业对外开放,传统借贷业务的利润空间压缩,迫使我国银行业必须发展中间业务,以提高竞争力和获得利润。中间业务的发展水平已成为商业银行发展水平的重要标志。在此背景下,近年来我国的商业银行业逐渐意识到了中间业务的重要性,越来越多的商业银行,把中间业务作为今后银行发展的方向,中间业务有了快速发展。当然我国商业银行中间业务起步晚、起点低,中间业务的各方面还很不成熟,跟国际先进银行相比,无论在业务开展还是风险管理上都还有很大差距,在处理两者关系上更是缺乏经验。 而且由于长期以来在我国银行占主导地位的中间业务都是传统的担保类、代理类业务,一直存在所有中间业务都低风险、无风险的误区,使得商业银行对中间业务的风险管理重视不够,存在诸多问题。本文试图从中间业务的发展趋势入手,借鉴了西方商业银行对风险管理的先进经验,充分利用了巴塞尔银行监管委员会对中间业务发展的研究成果,并结合实际,对我国商业银行中间业务风险管理上的问题作了有益的探索。最后尝试建立中间业务风险内控机制,并就如何完善商业银行外部监控体系进行了探讨。
[Abstract]:The opening to the outside world of the financial industry and the compression of the profit space of the traditional lending business force the banks of our country to develop intermediate business in order to improve their competitiveness and gain profits. The development level of intermediary business has become an important symbol of the development level of commercial banks. Under this background, in recent years, the commercial banking of our country has gradually realized the importance of intermediate business, more and more commercial banks regard intermediate business as the direction of bank development in the future, and intermediate business has developed rapidly. Of course, the intermediary business of commercial banks in our country started late, the starting point is low, and all aspects of the intermediate business are still immature. Compared with the international advanced banks, there is still a big gap in business development and risk management. In handling the relationship between the two is more inexperienced. And because of the traditional guarantee and agency business, which is the dominant intermediary business in our country for a long time, there has been a misunderstanding that all intermediary business has low risk and no risk. It makes commercial banks pay less attention to risk management of intermediary business, and there are many problems. This paper tries to start with the development trend of intermediary business, draw lessons from the advanced experience of western commercial banks on risk management, make full use of the research results of Basel Committee on Banking Supervision on the development of intermediate business, and combine with the practice. This paper makes a beneficial exploration on the risk management of the intermediate business of commercial banks in our country. Finally, it tries to establish the internal control mechanism of intermediate business risk, and discusses how to perfect the external monitoring system of commercial banks.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：F832.2
本文编号：2220187
[Abstract]:The opening to the outside world of the financial industry and the compression of the profit space of the traditional lending business force the banks of our country to develop intermediate business in order to improve their competitiveness and gain profits. The development level of intermediary business has become an important symbol of the development level of commercial banks. Under this background, in recent years, the commercial banking of our country has gradually realized the importance of intermediate business, more and more commercial banks regard intermediate business as the direction of bank development in the future, and intermediate business has developed rapidly. Of course, the intermediary business of commercial banks in our country started late, the starting point is low, and all aspects of the intermediate business are still immature. Compared with the international advanced banks, there is still a big gap in business development and risk management. In handling the relationship between the two is more inexperienced. And because of the traditional guarantee and agency business, which is the dominant intermediary business in our country for a long time, there has been a misunderstanding that all intermediary business has low risk and no risk. It makes commercial banks pay less attention to risk management of intermediary business, and there are many problems. This paper tries to start with the development trend of intermediary business, draw lessons from the advanced experience of western commercial banks on risk management, make full use of the research results of Basel Committee on Banking Supervision on the development of intermediate business, and combine with the practice. This paper makes a beneficial exploration on the risk management of the intermediate business of commercial banks in our country. Finally, it tries to establish the internal control mechanism of intermediate business risk, and discusses how to perfect the external monitoring system of commercial banks.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：F832.2
【引证文献】
相关硕士学位论文 前2条
1 韩亮;我国商业银行中间业务风险法律规制研究[D];郑州大学;2010年
2 郑婧;我国商业银行发展中间业务分析[D];山东大学;2012年
，本文编号：2220187
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