建设银行公司治理结构下风险管理模式和实践运用

发布时间：2018-09-11 13:49

【摘要】：银行体系天生存在风险,因为银行提供的产品是“钱”,白商业银行产生,风险就与之相伴、形影不离。伴随着银行的发展,人们对银行风险的认知也逐步深入和推进。当前国内外经济环境下,国际金融危机深层次影响仍在显现,国内经济下行压力加大。2012年,中国经济已在复杂多变的形势下走完了3/4年,宏观经济数据陆续出笼,银行的经营业绩和管理数据也在相继披露。总体上看,实体经济疲软下行的势头减弱,释放出触底企稳信号；银行业绩依然靓丽,资产质量基本稳定,但从容的弹性和空间明显缩减。一些先行性指标表明,当前及今后一段时间,外需低迷及国内经济增速放缓将会持续,针对性的宏观调控措施也会不断推出。银行的不良贷款反弹压力,系统性风险防范压力,案件防控、外部侵害、声誉风险的压力持续增大,有效平衡风险和收益的能力也受到新的挑战。对银行高水平的风险管理能力的需求愈发强烈。中国建设银行股份有限公司(China Construction Bank Corporation),在我国国有商业银行改革进程中,建行在法人治理、管理体制、经营机制改革以及引进境外战略投资者、境外上市等诸多方面率先进行了一系列开创性工作。建设银行作为首家国有商业银行上市后的表现,一直备受社会各界瞩目。2010年建设银行被评为“中国证券市场20年最富社会责任感上市公司”；被英国《银行家》杂志评选为“2010年中国最佳银行,全球银行品牌500强排名第13位,全球商业银行品牌第2位”。美国《福布斯》杂志于2012年4月18日公布了最新一期全球企业2000强排名,中国建设银行排名第13位,较上年上升4位。2012年半报公布贷款总量70614亿元,净利润1064亿元。风险管理体制改革一直是建设银行改革的重要内容,建行一直在风险管理体制和机制以及工具的运用等方面作了一些有益的尝试和探索。改制上市过程中,风险管理作为建设银行上市过程中的亮点之一,得到了监管部门、国内外投资者和社会舆论的一致肯定。上市后在新型公司治理结构条件下,如何转变为真正按市场原则运作的公众公司,是建设银行的首要任务。建行从2006年在全行深入改革风险管理体制,进一步完善公司治理结构。目前,建设银行在改善公司治理结构、提高风险管理能力和资产质量,以及服务水平和效率等方面的工作卓有成效。本文首先介绍了我国商业银行风险管理的演进过程,说明了商业银行的风险管理概念,对银行公司治理和风险管理模式进行了分析。重点介绍了中国建设银行股份有限公司的公司治理结构和风险管理模式,对建设银行2006年风险管理体制改革的核心内容“垂直管理、平行作业、风险管理关口前移、建立全面风险管理新体制”进行了比较说明,讨论了建设银行风险管理核心工具一经济资本和内部评级法对风险管理的强化作用。结合实际案例,围绕垂直管理和平行作业做了一定的分析,并提出建议,以期对风险管理做进一步思考和进步。
[Abstract]:The banking system is always at risk because the products provided by banks are "money" and the risks are accompanied by the white commercial banks. With the development of banks, people's awareness of the risks of banks is gradually deepened and promoted. In 2012, China's economy has been in a complex and volatile situation for 3/4 years, macroeconomic data have come out, bank performance and management data have been disclosed. Some leading indicators indicate that the current and future downturn in external demand and the slowdown in domestic economic growth will continue, and targeted macro-control measures will continue to be introduced. Risk pressures continue to increase, and the ability to effectively balance risks and returns is being challenged. Demand for high-level risk management capabilities is growing.
China Construction Bank Corporation, as the first state-owned commercial bank in China, has taken the lead in a series of pioneering work in corporate governance, management system, management mechanism reform, the introduction of foreign strategic investors and overseas listing. The performance of commercial banks after listing has attracted much attention from all walks of life. In 2010, CCB was named "the most socially responsible listed company in China's securities market in 20 years"; in 2010, it was named "the best bank in China in 2010, the top 500 global bank brands ranked 13th, and the second global commercial bank brands" by British "Bankers" magazine. On April 18, 2012, Forbes magazine released its latest ranking of the world's top 2000 companies. China Construction Bank ranked 13th, up four places from the previous year.
The reform of risk management system has always been an important part of the reform of CCB. CCB has been making some beneficial attempts and explorations in the aspects of risk management system, mechanism and the use of tools. Under the condition of new corporate governance structure, how to transform into a public company operating according to market principle is the primary task of CCB. CCB has been reforming the risk management system thoroughly and perfecting the corporate governance structure since 2006. At present, CCB is improving the corporate governance structure. Efforts have been made to improve risk management capabilities and asset quality, as well as service levels and efficiency.
Firstly, this paper introduces the evolution process of risk management in China's commercial banks, explains the concept of risk management in commercial banks, and analyzes the corporate governance and risk management model of banks. The core content of the system reform is "vertical management, parallel operation, risk management gateway forward, the establishment of a new comprehensive risk management system". The paper discusses the strengthening effect of economic capital and internal rating method, the core tools of risk management in China Construction Bank, on risk management. We made some analysis and put forward some suggestions for further thinking and progress in risk management.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【相似文献】