中国建设银行LN分行的操作风险管理研究
发布时间：2019-04-15 20:18
【摘要】：近年来,随着金融全球化、金融衍生工具的迅猛发展以及商业银行经营复杂程度的急剧提高,国内外银行业由操作风险造成巨额亏损和商业银行倒闭事件时有发生,部分损失事件影响巨大。特别是,在2007年美国“次贷危机”的过程中,操作风险问题再一次引起人们的重视和反思。同时,伴随着金融管制放松、业务全球化和金融创新步伐的加快以及信息技术的迅猛发展,我国商业银行操作风险损失事件发生较为频繁并有日益严重的趋势,操作风险正日益成为我国商业银行面临的主要风险。在这种背景下,本文以中国建设银行LN分行为例对商业银行操作风险问题进行分析。 本论文主要包括五章： 第一章对商业银行操作风险的基础性理论进行阐述,理清商业银行操作风险的涵义和分类,分析操作风险与市场风险、信用风险之间的关系,概括操作风险管理的基本要素； 第二章对中国建设银行LN分行操作风险的现状、成因和案例进行分析,对中国建设银行LN分行操作风险的现状进行阐述的基础上,从主观和客观两方面分析操作风险产生的原因和形成机制。 第三章对中国建设银行LN分行操作风险管理面临的挑战进行研究,在对巴塞尔协议的改进和完善进行归纳的基础上,分析巴塞尔协议的改进对LN分行操作风险管理的影响,并从创新性金融领域和创新性金融产品两方面分析金融创新对LN分行操作风险管理的影响； 第四章对国内外商业银行操作风险管理的实践和启示进行分析,在对国内外商业银行操作风险管理实践的经验和教训进行总结的基础上,分析不同商业银行在操作风险管理方面的特点,归纳对中国建设银行LN分行操作风险管理的启示； 第五章对中国建设银行LN分行如何完善操作风险管理进行研究,从构建实用性的风险评估体系、完善操作风险管理组织结构、加强操作风险管理环境建设三方面提出LN分行应对操作风险的具体措施。
[Abstract]:In recent years, with the financial globalization, the rapid development of financial derivatives and the rapid increase in the complexity of commercial banks, the domestic and foreign banking industry caused huge losses and commercial bank failures from time to time due to operational risks. Some of the loss events have a huge impact. Especially, in the process of American subprime mortgage crisis in 2007, the problem of operational risk has aroused people's attention and reflection once again. At the same time, with the relaxation of financial control, the acceleration of the pace of business globalization and financial innovation, and the rapid development of information technology, the operational risk loss events of commercial banks in China occur more frequently and have an increasingly serious trend. Operational risk is increasingly becoming the main risk faced by China's commercial banks. Under this background, this paper takes LN Branch of China Construction Bank as an example to analyze the operational risk of commercial banks. This paper mainly includes five chapters: the first chapter expounds the basic theory of operational risk of commercial bank, clarifies the meaning and classification of operational risk of commercial bank, analyzes the relationship between operational risk and market risk, credit risk, and analyzes the relationship between operational risk and market risk and credit risk. Summarize the basic elements of operational risk management; The second chapter analyzes the current situation, causes and cases of the operational risk of the LN branch of China Construction Bank, and expounds the current situation of the operational risk of the LN branch of the China Construction Bank. The causes and formation mechanism of operational risk are analyzed from subjective and objective aspects. The third chapter studies the challenges faced by the operational risk management of the LN branch of China Construction Bank. On the basis of summing up the improvement and perfection of the Basel agreement, this paper analyzes the impact of the improvement of the Basel agreement on the operational risk management of the LN branch. And from the innovative financial field and innovative financial products to analyze the impact of financial innovation on the operational risk management of LN branch; The fourth chapter analyzes the practice and enlightenment of operational risk management in domestic and foreign commercial banks, and on the basis of summarizing the experiences and lessons of operational risk management in domestic and foreign commercial banks, This paper analyzes the characteristics of different commercial banks in the aspect of operational risk management, and sums up the enlightenment to the operational risk management of LN branch of China Construction Bank. The fifth chapter studies how to improve the operational risk management of the LN Branch of China Construction Bank, from the construction of a practical risk assessment system, improve the organizational structure of operational risk management. To strengthen the environmental construction of operational risk management, the concrete measures to deal with the operational risk of LN branch are put forward.
【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
本文编号：2458460
[Abstract]:In recent years, with the financial globalization, the rapid development of financial derivatives and the rapid increase in the complexity of commercial banks, the domestic and foreign banking industry caused huge losses and commercial bank failures from time to time due to operational risks. Some of the loss events have a huge impact. Especially, in the process of American subprime mortgage crisis in 2007, the problem of operational risk has aroused people's attention and reflection once again. At the same time, with the relaxation of financial control, the acceleration of the pace of business globalization and financial innovation, and the rapid development of information technology, the operational risk loss events of commercial banks in China occur more frequently and have an increasingly serious trend. Operational risk is increasingly becoming the main risk faced by China's commercial banks. Under this background, this paper takes LN Branch of China Construction Bank as an example to analyze the operational risk of commercial banks. This paper mainly includes five chapters: the first chapter expounds the basic theory of operational risk of commercial bank, clarifies the meaning and classification of operational risk of commercial bank, analyzes the relationship between operational risk and market risk, credit risk, and analyzes the relationship between operational risk and market risk and credit risk. Summarize the basic elements of operational risk management; The second chapter analyzes the current situation, causes and cases of the operational risk of the LN branch of China Construction Bank, and expounds the current situation of the operational risk of the LN branch of the China Construction Bank. The causes and formation mechanism of operational risk are analyzed from subjective and objective aspects. The third chapter studies the challenges faced by the operational risk management of the LN branch of China Construction Bank. On the basis of summing up the improvement and perfection of the Basel agreement, this paper analyzes the impact of the improvement of the Basel agreement on the operational risk management of the LN branch. And from the innovative financial field and innovative financial products to analyze the impact of financial innovation on the operational risk management of LN branch; The fourth chapter analyzes the practice and enlightenment of operational risk management in domestic and foreign commercial banks, and on the basis of summarizing the experiences and lessons of operational risk management in domestic and foreign commercial banks, This paper analyzes the characteristics of different commercial banks in the aspect of operational risk management, and sums up the enlightenment to the operational risk management of LN branch of China Construction Bank. The fifth chapter studies how to improve the operational risk management of the LN Branch of China Construction Bank, from the construction of a practical risk assessment system, improve the organizational structure of operational risk management. To strengthen the environmental construction of operational risk management, the concrete measures to deal with the operational risk of LN branch are put forward.
【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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