ZX银行广州分行经济资本管理体系优化策略研究
发布时间：2021-05-16 14:44
中国银行业在中国改革开放三十年的浪潮中高速持续发展,目前已有多家银行位列全球银行前列,所获得的的成绩着实令人满意与自豪。但是我们也必须清晰的认识到,中国仍然是一个金融政策相对封闭的国家,中国银行业过去的长期快速发展主要依赖于中国经济的高速增长以及竞争不充分所致。随着全球经济的不稳定因素增加,贸易摩擦和中国房地产行业泡沫积聚将导致中国经济增长速度放缓,银行规模增速放缓,过去依赖规模增长带动效益的局面将有所改变,中国银行业急需做好盈利模式调整准备。同时,中国金融开放也将引入国际竞争者以及带动金融衍生品的发展,银行经营风险加剧,急需做好提前应对准备。经济资本管理正是协调效益、规模与风险有机统一的先进管理理念,商业银行实施经济资本管理体系优化的重要性不言而喻。本研究通过对银行资本的分类、功能与作用以及经济资本管理的发展历史、背景研究,得出中国商业银行处在战略转型关口,实施经济资本管理迫在眉睫。同时,通过文献综述法、案例分析法对ZX银行广州分行经济资本管理体系进行研究,运用基于RAROC为核心的经济资本管理体系对ZX银行广州分行现行体系进行分析,最后基于以RAROC为核心的经济资本管理理论及运用...
【文章来源】：广东外语外贸大学广东省
【文章页数】：71 页
【学位级别】：硕士
【文章目录】：
ACKNOWLEDGEMENTS
ABSTRACT
摘要
Chapter Ⅰ Introduction
1.1 Research background
1.2 Research purpose and significance
1.3 Research methods
1.4 Research structure and logical framework
Chapter Ⅱ Literature Review
2.1 Capital Management of Bank
2.1.1 The definition of Bank Capital
2.1.2 The function of bank capital management
2.1.3 The Content of Capital Management of Bank
2.1.4 History of the development of bank capital management
2.2 Economic capital management
2.2.1 Economic capital and the concept of economic capital management
2.2.2 Main contents and functions of economic capital management system
2.3 Relevant research at home and abroad
2.3.1 Research on the measurement of economic capital
2.3.2 On the allocation of economic capital
2.3.3 Research on the implementation path of economic capital management system
2.3.4 Theory of Economic Capital Management
2.4 Comments on the existing research and the innovation of this paper
Chapter Ⅲ Case Introduction
3.1 Brief introduction of Guangzhou Branch of ZX bank
3.1.1 Introduction to Guangzhou Branch of ZX bank
3.1.2 Organizational structure of Guangzhou Branch of ZX bank
3.2 Economic Capital Management status of Guangzhou Branch of ZX bank
3.2.1 Regulatory Capital Implement Limit Management
3.2.2 Assessment and Evaluation of Economic Capital
Chapter Ⅳ Analysis of existing problems and causes
4.1 Commercial Banks lack of awareness and ability of economic capital management
4.1.1 The traditional management culture remains unchanged and the consciousness of high-level economic capital management is insufficient
4.1.2 Lack of analysis of economic capital management and insufficient attention of management department
4.1.3 Insufficient economic capital management training and ability of business unit
4.2 Lack of guidance of comprehensive economic capital management mechanism
4.2.1 Lack of evaluation mechanism of economic capital management of business units based on RAROC
4.2.2 Lack of economic capital distribution system based on RAROC
4.2.3 Lack of economic capital allocation system based on RAROC
4.2.4 Lack of assessment mechanism of individual economic capital management based on RAROC
4.3 Economic Capital Management Is Not Refined Enough
4.3.1 Insufficient support for economic capital management system
4.3.2 Insufficient fine management of economic capital by management department
4.3.3 Insufficient fine management of economic capital of managed households by business units
Chapter Ⅴ economic capital management optimization strategy suggestions
5.1 Strengthen the awareness and ability of economic capital management of the whole staff
5.1.1 Strengthen market analysis,promote top management to change business ideas in advance,and gradually change from scale development to quality development
5.1.2 Introduce economic capital management as an important part of business analysis to improve the attention of branch management department
5.1.3 Strengthen the economic capital management system training of business units,and improve the economic capital management awareness and ability of all staff
5.2 Comprehensively improve the mechanism of economic capital management system
5.2.1 Establish an economic capital management operation analysis and evaluation mechanism based on RAROC
5.2.2 Establish the allocation mechanism of economic capital management system based on RAROC
5.2.3 Establishing the allocation mechanism of economic capital management system based on RAROC
5.2.4 Establish the personal assessment and promotion mechanism based on RAROC
5.3 Strengthen the fine management of the whole process
5.3.1 Accelerate the establishment of a fine management system for economic capital management
5.3.2 Strengthen the fine management of economic capital in the early,middle and late stages of the branch management department
5.3.3 Strengthen the management of business units and the fine management of economic capital of customers
Chapter Ⅵ conclusion and Prospect
6.1 Conclusion
6.2 Limitations
6.3 Prospect
REFERENCE
【参考文献】：
期刊论文
[1]我国商业银行实施经济资本管理的重难点及应对措施初探[J]. 王伟. 财经界(学术版). 2019(19)
[2]基于RAROC模型的商业银行贷款定价研究[J]. 孙徐亚. 现代金融. 2019(04)
[3]管理会计促进银行财务职能转型[J]. 于忠义. 北方金融. 2017(06)
[4]基于经济资本的商业银行价值管理实施路径选择[J]. 安成. 现代金融. 2017(05)
[5]我国商业银行实施经济资本管理的重难点及应对措施[J]. 幸胜. 科技经济市场. 2017(01)
[6]管理会计在我国商业银行的应用研究[J]. 崔澜. 金融理论与教学. 2016(06)
[7]关于我国国有商业银行资本管理现实意义的探讨[J]. 冯晓缇. 华北金融. 2016(05)
[8]我国商业银行资本管理新趋势对金融市场发展的影响[J]. 颜永嘉. 上海金融. 2011(09)
[9]新书介绍:《金融危机中的巴塞尔新资本协议:挑战与改进》[J]. 中国金融. 2010(14)
[10]中国只能与世界同步——评《巴塞尔新资本协议研究》[J]. 李耀. 数字财富. 2003(08)
博士论文
[1]基于资本监管的商业银行风险承担行为研究[D]. 刘青云.山西财经大学 2015
[2]我国商业银行经济资本计量与配置研究[D]. 景在伦.中国海洋大学 2015
[3]基于资本约束的商业银行资本配置对风险管理影响研究[D]. 潘佐郑.西南交通大学 2015
硕士论文
[1]基于EVA的Q农商银行绩效考评体系研究[D]. 张文强.青岛大学 2017
[2]工商银行甘肃分行经济资本管理改进研究[D]. 王英.兰州大学 2017
[3]基于RAROC的商业银行经济资本配置研究[D]. 毛爽.华中师范大学 2016
[4]NY银行经济资本管理问题研究[D]. 谢恒奇.广西大学 2015
[5]A银行管理会计应用中存在的问题与对策[D]. 陈琪.中南大学 2012
[6]基于经济增加值的商业银行业绩管理体系研究[D]. 何丹.扬州大学 2011
[7]中国农业银行内蒙古分行实施经济资本管理研究[D]. 靳少平.内蒙古大学 2006
本文编号：3189881
【文章来源】：广东外语外贸大学广东省
【文章页数】：71 页
【学位级别】：硕士
【文章目录】：
ACKNOWLEDGEMENTS
ABSTRACT
摘要
Chapter Ⅰ Introduction
1.1 Research background
1.2 Research purpose and significance
1.3 Research methods
1.4 Research structure and logical framework
Chapter Ⅱ Literature Review
2.1 Capital Management of Bank
2.1.1 The definition of Bank Capital
2.1.2 The function of bank capital management
2.1.3 The Content of Capital Management of Bank
2.1.4 History of the development of bank capital management
2.2 Economic capital management
2.2.1 Economic capital and the concept of economic capital management
2.2.2 Main contents and functions of economic capital management system
2.3 Relevant research at home and abroad
2.3.1 Research on the measurement of economic capital
2.3.2 On the allocation of economic capital
2.3.3 Research on the implementation path of economic capital management system
2.3.4 Theory of Economic Capital Management
2.4 Comments on the existing research and the innovation of this paper
Chapter Ⅲ Case Introduction
3.1 Brief introduction of Guangzhou Branch of ZX bank
3.1.1 Introduction to Guangzhou Branch of ZX bank
3.1.2 Organizational structure of Guangzhou Branch of ZX bank
3.2 Economic Capital Management status of Guangzhou Branch of ZX bank
3.2.1 Regulatory Capital Implement Limit Management
3.2.2 Assessment and Evaluation of Economic Capital
Chapter Ⅳ Analysis of existing problems and causes
4.1 Commercial Banks lack of awareness and ability of economic capital management
4.1.1 The traditional management culture remains unchanged and the consciousness of high-level economic capital management is insufficient
4.1.2 Lack of analysis of economic capital management and insufficient attention of management department
4.1.3 Insufficient economic capital management training and ability of business unit
4.2 Lack of guidance of comprehensive economic capital management mechanism
4.2.1 Lack of evaluation mechanism of economic capital management of business units based on RAROC
4.2.2 Lack of economic capital distribution system based on RAROC
4.2.3 Lack of economic capital allocation system based on RAROC
4.2.4 Lack of assessment mechanism of individual economic capital management based on RAROC
4.3 Economic Capital Management Is Not Refined Enough
4.3.1 Insufficient support for economic capital management system
4.3.2 Insufficient fine management of economic capital by management department
4.3.3 Insufficient fine management of economic capital of managed households by business units
Chapter Ⅴ economic capital management optimization strategy suggestions
5.1 Strengthen the awareness and ability of economic capital management of the whole staff
5.1.1 Strengthen market analysis,promote top management to change business ideas in advance,and gradually change from scale development to quality development
5.1.2 Introduce economic capital management as an important part of business analysis to improve the attention of branch management department
5.1.3 Strengthen the economic capital management system training of business units,and improve the economic capital management awareness and ability of all staff
5.2 Comprehensively improve the mechanism of economic capital management system
5.2.1 Establish an economic capital management operation analysis and evaluation mechanism based on RAROC
5.2.2 Establish the allocation mechanism of economic capital management system based on RAROC
5.2.3 Establishing the allocation mechanism of economic capital management system based on RAROC
5.2.4 Establish the personal assessment and promotion mechanism based on RAROC
5.3 Strengthen the fine management of the whole process
5.3.1 Accelerate the establishment of a fine management system for economic capital management
5.3.2 Strengthen the fine management of economic capital in the early,middle and late stages of the branch management department
5.3.3 Strengthen the management of business units and the fine management of economic capital of customers
Chapter Ⅵ conclusion and Prospect
6.1 Conclusion
6.2 Limitations
6.3 Prospect
REFERENCE
【参考文献】：
期刊论文
[1]我国商业银行实施经济资本管理的重难点及应对措施初探[J]. 王伟. 财经界(学术版). 2019(19)
[2]基于RAROC模型的商业银行贷款定价研究[J]. 孙徐亚. 现代金融. 2019(04)
[3]管理会计促进银行财务职能转型[J]. 于忠义. 北方金融. 2017(06)
[4]基于经济资本的商业银行价值管理实施路径选择[J]. 安成. 现代金融. 2017(05)
[5]我国商业银行实施经济资本管理的重难点及应对措施[J]. 幸胜. 科技经济市场. 2017(01)
[6]管理会计在我国商业银行的应用研究[J]. 崔澜. 金融理论与教学. 2016(06)
[7]关于我国国有商业银行资本管理现实意义的探讨[J]. 冯晓缇. 华北金融. 2016(05)
[8]我国商业银行资本管理新趋势对金融市场发展的影响[J]. 颜永嘉. 上海金融. 2011(09)
[9]新书介绍:《金融危机中的巴塞尔新资本协议:挑战与改进》[J]. 中国金融. 2010(14)
[10]中国只能与世界同步——评《巴塞尔新资本协议研究》[J]. 李耀. 数字财富. 2003(08)
博士论文
[1]基于资本监管的商业银行风险承担行为研究[D]. 刘青云.山西财经大学 2015
[2]我国商业银行经济资本计量与配置研究[D]. 景在伦.中国海洋大学 2015
[3]基于资本约束的商业银行资本配置对风险管理影响研究[D]. 潘佐郑.西南交通大学 2015
硕士论文
[1]基于EVA的Q农商银行绩效考评体系研究[D]. 张文强.青岛大学 2017
[2]工商银行甘肃分行经济资本管理改进研究[D]. 王英.兰州大学 2017
[3]基于RAROC的商业银行经济资本配置研究[D]. 毛爽.华中师范大学 2016
[4]NY银行经济资本管理问题研究[D]. 谢恒奇.广西大学 2015
[5]A银行管理会计应用中存在的问题与对策[D]. 陈琪.中南大学 2012
[6]基于经济增加值的商业银行业绩管理体系研究[D]. 何丹.扬州大学 2011
[7]中国农业银行内蒙古分行实施经济资本管理研究[D]. 靳少平.内蒙古大学 2006
本文编号：3189881
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