工商银行甘肃分行经济资本管理改进研究

发布时间：2018-12-25 20:06

【摘要】：工商银行甘肃分行是中国工商银行系统内发展排名较后的分行之一,对经济资本管理理念的重视较迟,具体表现在风险理念、计量技术、数据搜集、制度建设等方面与中国工商银行其他地区分行存在较大差距。2015年,工商银行甘肃分行提出了全面风险管理年的实施计划,制定了详细的阶段性目标,力争在未来的几年建设起完善的经济资本管理体系,对产品结构、绩效考核、预算规划起到实质性改进。目前,工商银行甘肃分行已经在业务条线中全面引进经济增加值(EVA)、经风险调整的资本回报率(RAROC)等指标;对员工进行经济资本管理的教学培训,增强了相关业务人员的价值观念,让全体员工有了资本节约意识。虽然工商银行甘肃分行重视学习经济资本管理办法,但它在计量经济资本的技术手段、历史数据的保存引用、推进经济资本管理的规章制度等各方面的能力还比较欠缺,在经济资本管理的实践过程中也还存在很多问题。跟工商银行系统内做得比较好的分行相比,在认识和操作层面上仍然有很大的差距,跟中国银监会提出的目标相比,还有一定的进步空间。根据调查,工商银行甘肃分行对经济资本理论的研究还处在初级阶段,以被动学习和接受为主,没有主动改变和创建自有体系的能力。因此,通过本文的写作,对工商银行甘肃分行现存的经济资本管理问题进行研究和探讨,进而提出相应的改进策略,为工商银行甘肃分行经济资本管理的推进工作提出合理化建议。2015-2017年以来,甘肃地区的经济发展形势处在缓慢盘整期,较前几年回落幅度较大,以批发和零售业为主的商业环境遭到行业不景气的重创,一批中小企业因经营不善而破产停业,部分大中型企业因上下游客户拖累而造成财务紧张利润缩水,大量融资担保公司破产跑路,都标志着本地区经济发展面临严峻考验。工商银行甘肃分行作为甘肃地区信贷规模最大、增长最快的金融机构,在本次经济周期中受到严重冲击,如何强化全面风险管理手段,从资本占用高的的粗放型管理向资本占用低的集约型管理转变,是今后经营管理工作的重中之重。本文研究的目的是发现工商银行甘肃分行经济资本管理实践中需要改进的地方,并提出相应的改进策略,希望在实际工作能起到推进工商银行甘肃分行经济资本管理水平的作用。
[Abstract]:The Industrial and Commercial Bank of China Gansu Branch is one of the branches with the lowest development ranking in the ICBC system. It has paid more attention to the concept of economic capital management, which is manifested in the concept of risk, measurement techniques, and data collection. There is a big gap between the system construction and other regional branches of the Industrial and Commercial Bank of China. In 2015, the Gansu Branch of the Industrial and Commercial Bank of China put forward an implementation plan for the year of comprehensive risk management, and formulated detailed phased targets. Strive to build up a perfect economic capital management system in the next few years, and improve the product structure, performance appraisal and budget planning substantially. At present, ICBC Gansu Branch has fully introduced the economic added value (EVA), the risk-adjusted capital return rate (RAROC) and other indicators in the line of business; The teaching and training of economic capital management strengthen the value concept of relevant business personnel and make all staff have the consciousness of saving capital. Although the Gansu Branch of the Industrial and Commercial Bank of China attaches great importance to the study of economic capital management methods, its ability to measure economic capital, to preserve and quote historical data, and to promote the rules and regulations for economic capital management is still relatively lacking. There are also many problems in the practice of economic capital management. Compared with the branches in the ICBC system, there is still a big gap in understanding and operation, and there is still room for improvement compared with the objectives put forward by the CBRC. According to the investigation, the study of economic capital theory in Gansu branch of ICBC is still in the primary stage, with passive learning and acceptance as the main, and no ability to actively change and create its own system. Therefore, through the writing of this paper, the existing problems of economic capital management of ICBC Gansu Branch are studied and discussed, and the corresponding improvement strategies are put forward. Put forward some reasonable suggestions for the promotion of economic capital management in the Gansu Branch of ICBC. Since 2015-2017, the economic development situation in Gansu is in a period of slow consolidation, which has fallen back by a larger margin than in previous years. The business environment, dominated by wholesale and retail trade, was hit hard by the downturn in the industry. A number of small and medium-sized enterprises went bankrupt and shut down because of poor management. Some large and medium-sized enterprises suffered from financial strain and profits that were reduced because of the drag on their upstream and downstream customers. A large number of financing guarantee companies went bankrupt, marking the region's economic development is facing a severe test. As the largest and fastest growing financial institution in Gansu Province, the Gansu Branch of the Industrial and Commercial Bank of China (ICBC) has been hit hard in this economic cycle. How to strengthen the means of comprehensive risk management? The transformation from extensive management with high capital occupation to intensive management with low capital occupancy is the most important task in the future. The purpose of this study is to find out the areas that need to be improved in the practice of economic capital management in the Gansu Branch of ICBC, and put forward the corresponding improvement strategies. We hope to promote the economic capital management level of ICBC Gansu Branch in practical work.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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