H银行全面风险管理体系状况研究

发布时间：2018-11-27 08:50

【摘要】：H银行是在黑土地成长起来的地方性股份制商业银行，几年来，在地方政府及监管部门的大力支持下，实现了由地方到全国的快速跨越式发展，但伴随着自身快速发展，原有全面风险管理体系所存在的弊端与缺陷正逐渐成为制约该行健康可持续发展的主要因素，对原有全面风险管理体系进行优化改进是H银行是实现健康持续发展的必由之路。本文从对H银行原有全面风险管理体系进行全面深入剖析入手，提出了一系列优化改造对策和方案。本文结合国际银行业风险管理理论与领先实践，首先对H银行的全面风险管理体系进行了全面系统的剖析，从战略政策、管理架构、制度流程、绩效考核、技术措施、人员素质等方面进行了内部因素分析，并从经营环境、监管背景、国内银行风险管理现状等方面进行了外部因素分析。并在此基础上，运用风险管理理论及研究方法，指出优化H银行全面风险管理体系的改进思路及方法，以明确风险管理战略导向为核心，，提出统一价值、全面落实、激励先导、专业分工、技术支撑、协调互助等优化改进原则。最后，从组织架构变革、员工绩效改革、引进技术人才、夯实管理技术、推行风险文化等方面提出了一整套改进的对策及建议，对完善H银行全面风险管理进行了理论上探讨与实践上的尝试，旨在为H银行这样的城商行提升全面风险管理提供一套有效地改进方案，为提升国内城商行的风险管理水平进行有益的探索。
[Abstract]:H Bank is a local joint-stock commercial bank growing up in black land. Over the past few years, with the support of local governments and regulatory authorities, it has achieved rapid leap-forward development from local to the whole country, but with its own rapid development. The drawbacks and defects of the original comprehensive risk management system are gradually becoming the main factors restricting the healthy and sustainable development of the bank. Optimizing and improving the original comprehensive risk management system is the only way for H Bank to realize the healthy and sustainable development. Based on the thorough analysis of H Bank's original comprehensive risk management system, this paper puts forward a series of optimization countermeasures and schemes. Based on the theory and practice of international banking risk management, this paper firstly analyzes the comprehensive risk management system of H Bank, including strategic policy, management structure, system process, performance appraisal, technical measures, etc. The internal factors are analyzed from the aspects of personnel quality, and the external factors are analyzed from the aspects of operating environment, supervision background and the present situation of risk management in domestic banks. On this basis, using the risk management theory and research method, this paper points out the improvement ideas and methods of optimizing H bank's overall risk management system, taking the clear strategic direction of risk management as the core, puts forward the unified value, comprehensively implements, and encourages the forerunner. Professional division of labor, technical support, coordination and mutual aid optimization and improvement principles. Finally, from the aspects of organizational structure reform, employee performance reform, the introduction of technical talents, tamping management technology, promoting risk culture and other aspects, this paper puts forward a set of countermeasures and suggestions for improvement. This paper makes a theoretical and practical attempt to improve the comprehensive risk management of H Bank in order to provide a set of effective improvement schemes for the city banks such as H Bank to promote the overall risk management. In order to improve the risk management level of the domestic city commercial banks to carry on the beneficial exploration.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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