中国工商银行宁波分行经济资本管理研究
发布时间：2019-06-11 23:12
【摘要】：伴随着我国金融的不断发展,近几年来,我国银行管理水平也在不断的发展提高。我国各大银行都不断改进其经营理念,加快自身的发展。商业银行不断增强价值观念,资本约束,并在风险管理上实施了改善措施等,通过加强经济资本管理,并将资本与风险相结合,建立现代化商业银行资本管理理念。各大商业银行开始重视经济资本以及相关指标,例如经济增加值(EVA),经风险调整的资本回报率(RAROC)等等,而这些指标为银行进行资本配置,风险管理以及绩效考核等都提供了依据。本文将以中国工商银行宁波分行相关数据为样本,通过对经济资本相关指标、过程的研究分析,在监管框架内,提出进一步完善中国工商银行宁波分行在本地区经济资本配置水平的方法,以达到中国工商银行宁波分行提高经济资本管理水平和全面风险控制能力的目的。本文研究思路如下:第一章介绍选题的背景以及意义。介绍目前经济资本管理发展的现状以及实施经济资本管理的重要意义。第二章通过查阅资料分析国际银行业经济资本管理新趋势和我国银行业经济资本管理发展方向,以及经济资本管理的内涵及应用。对国内外经济资本管理研究进行分析评述。第三章介绍经济资本管理的一些基本理论,包括经济资本管理的内涵和应用。为后面具体分析中国工商银行宁波分行经济资本管理现状打下基础。第四章主要分析中国工商银行宁波分行经济资本管理的现状。主要介绍了中国工商银行宁波分行经济资本管理的概况并对其经济资本管理体系下的经营状况进行分析,评价现行经济资本管理体系优势与局限性。第五章对中国工商银行宁波分行经济资本管理的完善。分析完善现行经济资本管理体系的必要性以及可行性,并提出完善措施。第六章则提出中国工商银行宁波分行经济资本管理的保障措施。最后第七章提出结论总结。
[Abstract]:With the continuous development of finance in our country, the level of bank management in our country is also developing and improving in recent years. The major banks in China continue to improve their business philosophy and speed up their own development. Commercial banks continue to strengthen values, capital constraints, and implement improvement measures in risk management. By strengthening economic capital management and combining capital with risk, the capital management concept of modern commercial banks is established. Commercial banks began to attach importance to economic capital and related indicators, such as (EVA), risk-adjusted return on capital (RAROC) and so on, and these indicators provide a basis for banks to carry out capital allocation, risk management and performance evaluation. Taking the relevant data of Industrial and Commercial Bank of China Ningbo Branch as a sample, through the research and analysis of economic capital related indexes and processes, and within the regulatory framework, this paper puts forward the method of further perfecting the economic capital allocation level of Industrial and Commercial Bank of China Ningbo Branch in order to achieve the purpose of improving the economic capital management level and overall risk control ability of Industrial and Commercial Bank of China Ningbo Branch. The research ideas of this paper are as follows: the first chapter introduces the background and significance of the topic. This paper introduces the present situation of the development of economic capital management and the significance of implementing economic capital management. The second chapter analyzes the new trend of international banking economic capital management and the development direction of China's banking economic capital management, as well as the connotation and application of economic capital management. This paper analyzes and comments on the research of economic capital management at home and abroad. The third chapter introduces some basic theories of economic capital management, including the connotation and application of economic capital management. It lays the foundation for the detailed analysis of the current situation of economic capital management in Ningbo Branch of Industrial and Commercial Bank of China. The fourth chapter mainly analyzes the current situation of economic capital management of Industrial and Commercial Bank of China Ningbo Branch. This paper mainly introduces the general situation of economic capital management in Ningbo Branch of Industrial and Commercial Bank of China, analyzes the management situation under its economic capital management system, and evaluates the advantages and limitations of the current economic capital management system. The fifth chapter perfects the economic capital management of Industrial and Commercial Bank of China Ningbo Branch. This paper analyzes the necessity and feasibility of perfecting the current economic capital management system, and puts forward some perfect measures. The sixth chapter puts forward the safeguard measures of economic capital management of Industrial and Commercial Bank of China Ningbo Branch. Finally, the seventh chapter puts forward the conclusion summary.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33
本文编号：2497532
[Abstract]:With the continuous development of finance in our country, the level of bank management in our country is also developing and improving in recent years. The major banks in China continue to improve their business philosophy and speed up their own development. Commercial banks continue to strengthen values, capital constraints, and implement improvement measures in risk management. By strengthening economic capital management and combining capital with risk, the capital management concept of modern commercial banks is established. Commercial banks began to attach importance to economic capital and related indicators, such as (EVA), risk-adjusted return on capital (RAROC) and so on, and these indicators provide a basis for banks to carry out capital allocation, risk management and performance evaluation. Taking the relevant data of Industrial and Commercial Bank of China Ningbo Branch as a sample, through the research and analysis of economic capital related indexes and processes, and within the regulatory framework, this paper puts forward the method of further perfecting the economic capital allocation level of Industrial and Commercial Bank of China Ningbo Branch in order to achieve the purpose of improving the economic capital management level and overall risk control ability of Industrial and Commercial Bank of China Ningbo Branch. The research ideas of this paper are as follows: the first chapter introduces the background and significance of the topic. This paper introduces the present situation of the development of economic capital management and the significance of implementing economic capital management. The second chapter analyzes the new trend of international banking economic capital management and the development direction of China's banking economic capital management, as well as the connotation and application of economic capital management. This paper analyzes and comments on the research of economic capital management at home and abroad. The third chapter introduces some basic theories of economic capital management, including the connotation and application of economic capital management. It lays the foundation for the detailed analysis of the current situation of economic capital management in Ningbo Branch of Industrial and Commercial Bank of China. The fourth chapter mainly analyzes the current situation of economic capital management of Industrial and Commercial Bank of China Ningbo Branch. This paper mainly introduces the general situation of economic capital management in Ningbo Branch of Industrial and Commercial Bank of China, analyzes the management situation under its economic capital management system, and evaluates the advantages and limitations of the current economic capital management system. The fifth chapter perfects the economic capital management of Industrial and Commercial Bank of China Ningbo Branch. This paper analyzes the necessity and feasibility of perfecting the current economic capital management system, and puts forward some perfect measures. The sixth chapter puts forward the safeguard measures of economic capital management of Industrial and Commercial Bank of China Ningbo Branch. Finally, the seventh chapter puts forward the conclusion summary.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33
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，本文编号：2497532
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