A银行综合柜员制操作风险分析

发布时间：2017-12-31 01:04

本文关键词：A银行综合柜员制操作风险分析　出处：《山东大学》2014年硕士论文　论文类型：学位论文

【摘要】：银行业是现代金融体系的核心,对整个经济的发展起着关键作用。银行业又是一个高风险行业,银行风险的爆发,很容易带来金融危机,对银行体系、经济体系,甚至宏观经济都是很大的冲击和负面影响。新巴塞尔资本协定将商业银行的经营风险分为信用风险、市场风险和操作风险。对于信用风险和市场风险而言,商业银行已经在关注很久了,而且对其的风险管理也控制得很好。对商业银行而言,操作风险并非是一个新的名词。20世纪以后,银行业对各自的经营战略、系统设施都进行了优化,因此在这个过程中,操作风险就很容易出现。尤其是近年来不断频发的银行业操作风险案件和巨大的操作风险损失告诫商业银行：有效防控操作风险,才能保障商业银行的有序运营,才能实现经营目标,提升竞争力。目前,监管部门和商业银行都前所未有地加强了对操作风险的管理和控制力度。我国银行业监督管理委员会对商业银行操作风险的重视和监管是我国商业银行操作风险防控的一个新的起点。尽管操作风险带来的风险损失事件严重影响着国际银行界,但对操作风险的管理还没有形成系统的管理框架,各类监管和制度也不是很完善,因此,如何有效降低操作风险仍然是一个整个银行业面临的问题。 A银行作为国内一流股份制商业银行,为进一步提高营业网点资源利用效率,提高综合竞争力,在全行推行了综合柜员制。实行综合柜员制是商业银行大势所趋,但由此而引发的操作风险却是不容忽视的。本文通过对国内外期刊、论文及资料的学习和研究,阐述了操作风险的定义、分类及我国商业银行操作风险的现状及特点。论述商业银行推行综合柜员制的背景及作用,进而对商业银行综合柜员制的风险成因及必要性进行论述,指出对操作风险管理进行研究,减少损失事件的发生对我国商业银行的长远发展具有重要的现实意义。本文通过对A银行某分行营业部的实际案例进行风险分析,总结A银行综合柜员制面临的操作风险并提出几点改进操作风险管理的建议：强化内部控制,对员工进行教育培训,整合综合保障和强化信息管理。
[Abstract]:Banking is the core of the modern financial system and plays a key role in the development of the whole economy. Banking is also a high-risk industry, the outbreak of bank risk, it is easy to bring financial crisis, to the banking system. The new Basel Capital Accord divides the operating risk of commercial banks into credit risk. Market risk and operational risk. For credit risk and market risk, commercial banks have been concerned for a long time, and their risk management is also very good. Operational risk is not a new term after the 20th century, the banking industry has optimized their respective business strategies and system facilities, so in this process. Operational risk is very easy to appear, especially in recent years the frequent occurrence of banking operational risk cases and huge operational risk losses warn commercial banks: effective prevention and control of operational risks. Only in order to ensure the orderly operation of commercial banks, can we achieve business objectives and enhance competitiveness. Regulatory authorities and commercial banks have strengthened the management and control of operational risks. China Banking Regulatory Commission attaches importance to the operational risk of commercial banks and supervision is the operational risk of commercial banks in China. A new starting point for prevention and control, although the risk loss events caused by operational risks have seriously affected the international banking community. However, the management of operational risk has not yet formed a systematic management framework, all kinds of supervision and system is not very perfect, so how to effectively reduce the operational risk is still a problem facing the whole banking industry. Bank A as the domestic first-class joint-stock commercial bank, in order to further improve the efficiency of resource utilization of business outlets, improve the comprehensive competitiveness. The comprehensive teller system has been implemented in the whole bank. It is the trend of the times for commercial banks to implement the comprehensive teller system, but the operational risks caused by it are not to be ignored. This paper discusses the definition and classification of operational risk and the present situation and characteristics of operational risk of commercial banks in China. It also discusses the background and function of comprehensive teller system in commercial banks. Then the paper discusses the causes and necessity of the comprehensive teller system of commercial banks, and points out that the operational risk management is studied. It is of great practical significance for the long-term development of Chinese commercial banks to reduce losses. Based on the risk analysis of a branch of Bank A, this paper summarizes the operational risks faced by the Comprehensive teller system of Bank A and puts forward some suggestions for improving the management of operational risk: strengthening the internal control. Conduct education and training for employees, integrate comprehensive security and strengthen information management.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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