我国中等规模商业银行的财务结构及其风险控制
发布时间：2018-11-25 10:54
【摘要】：风险的管理、控制和防范一直是银行等金融机构普遍关心的问题。特别是2007年美国次贷危机爆发以来，银行的风险控制问题迅速受到了更为广泛的关注。全国性股份制商业银行是我国商业银行的一个群体，在我国商业银行中具有代表性，其规模在我国属于中等银行，是我国中小型商业银行的主要力量，占据一定的市场份额并迅速扩张，对我国经济社会发展发挥着积极作用。相对于大型国有银行而言，这个群体的资本和经营基础显得比较薄弱，抵抗风险能力也较差。为了提前预测，及时发现这一银行群体可能发生的财务风险，以便及时采取有针对性的措施加以防范，本文以本人供职的某全国性股份制商业银行分行为研究对象，基于财务结构基础上，研究全国性股份制商业银行财务风险控制问题，为此类银行改进管理工作提供借鉴和参考。 本文以分析研究对象为基础，，对全国性股份制商业银行这一特定群体进行对比分析，研究和探索特定银行财务结构和财务风险之间的关系，并根据监管要求和全国性股份制商业银行自身发展的特点，借鉴国外财务风险控制评价机制的方法，选取一套针对特定范围银行的财务指标，确定权重并进行评分分类，建立一套以财务指标为依据的财务风险评价方法。 通过对财务风险评价方法的应用，能够清晰的表现研究对象存在的可能发生风险的问题以及与行业平均水平的差距，对及时有效的采取措施解决问题，规避风险有重要意义。
[Abstract]:Risk management, control and prevention has been a common concern of banks and other financial institutions. Especially since the subprime mortgage crisis broke out in 2007, the bank risk control problem has been paid more and more attention. The national joint-stock commercial bank is a group of commercial banks in our country, which is representative in our country. Its scale belongs to the medium bank in our country, and it is the main force of the small and medium-sized commercial bank in our country. Occupy a certain market share and expand rapidly, play a positive role in our country's economic and social development. Compared with large state-owned banks, the capital and operating base of this group is weak and their ability to resist risks is poor. In order to forecast in advance, discover the financial risk that this bank group may occur in time, in order to take the targeted measures to prevent in time, this article takes a national joint-stock commercial bank branch that I work for as the research object. Based on the financial structure, this paper studies the financial risk control of national joint-stock commercial banks, and provides reference for improving the management of such banks. Based on the analysis of the research object, this paper makes a comparative analysis of the national joint-stock commercial banks as a specific group, and studies and explores the relationship between the financial structure and financial risks of the specific banks. According to the regulatory requirements and the characteristics of the development of the national joint-stock commercial banks, and using the methods of foreign financial risk control and evaluation mechanism, select a set of financial indicators for a specific range of banks, determine the weight and score classification. To establish a set of financial risk evaluation method based on financial indicators. Through the application of the financial risk evaluation method, it can clearly express the possible risk problems existing in the research object and the gap with the average level of the industry. It is of great significance to take timely and effective measures to solve the problem and avoid the risk.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F830.42
本文编号：2355844
[Abstract]:Risk management, control and prevention has been a common concern of banks and other financial institutions. Especially since the subprime mortgage crisis broke out in 2007, the bank risk control problem has been paid more and more attention. The national joint-stock commercial bank is a group of commercial banks in our country, which is representative in our country. Its scale belongs to the medium bank in our country, and it is the main force of the small and medium-sized commercial bank in our country. Occupy a certain market share and expand rapidly, play a positive role in our country's economic and social development. Compared with large state-owned banks, the capital and operating base of this group is weak and their ability to resist risks is poor. In order to forecast in advance, discover the financial risk that this bank group may occur in time, in order to take the targeted measures to prevent in time, this article takes a national joint-stock commercial bank branch that I work for as the research object. Based on the financial structure, this paper studies the financial risk control of national joint-stock commercial banks, and provides reference for improving the management of such banks. Based on the analysis of the research object, this paper makes a comparative analysis of the national joint-stock commercial banks as a specific group, and studies and explores the relationship between the financial structure and financial risks of the specific banks. According to the regulatory requirements and the characteristics of the development of the national joint-stock commercial banks, and using the methods of foreign financial risk control and evaluation mechanism, select a set of financial indicators for a specific range of banks, determine the weight and score classification. To establish a set of financial risk evaluation method based on financial indicators. Through the application of the financial risk evaluation method, it can clearly express the possible risk problems existing in the research object and the gap with the average level of the industry. It is of great significance to take timely and effective measures to solve the problem and avoid the risk.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F830.42
【引证文献】
相关硕士学位论文 前1条
1 万楚婕;景德镇市A银行财务风险管理研究[D];南昌大学;2013年
本文编号：2355844
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