商业银行综合业务系统操作风险控制体系

发布时间：2018-01-10 23:16

本文关键词：商业银行综合业务系统操作风险控制体系　出处：《山东大学》2014年硕士论文　论文类型：学位论文

【摘要】：操作风险至始至终是我们国家的商业银行面临的主要风险之一。上世纪90年代以来,国内外商业银行频繁发生操作风险案件并造成不同程度的经济损失,使其受到金融业和各国政府高度重视。新资本协议(2004)正式将操作风险作为重点内容纳入资本监管范畴,中国银行业监督管理委员会也将商业银行的操作风险管理提上正式纳入监管重点,我国商业银行的发展和金融市场稳定必须要有效地对操作风险进行科学防范和控制。目前我国商业银行对操作风险的探索和研究处于起步阶段,商业银行操作风险事件频频发生,严重损害了银行业的社会形象、银行经营和金融市场。2007年5月,中国银监会在《商业银行操作风险管理指引》中对操作风险的定义是指由不完善或有问题的内部程序、员工和信息科技系统,以及外部事件所造成可能损失的风险。因此,信息科技系统能否稳定运行是当前银行操作风险的重要因素。近年来,商业银行信息化建设和科技水平得到进一步提高,信息科技基础设施、环境得到进一步优化,核心系统升级换代,电子渠道进一步丰富,有力地支撑力商业银行的业务创新和快速发展。伴随着商业银行信息化建设水平的提高,操作风险也呈现出了上升的趋势,如何降低操作风险已经成为当前一个重要课题。本课题主要研究了以下两个问题：一是结合商业银行的现状及特点,建立一套适合当前城市商业银行操作风险管理的,涵盖事前防范、事中控制和事后监督整个业务流程的,基于信息系统的全面风险防控体系；二是以商业银行全面操作风险防控体系研究为基础,结合商业银行事前风险防范、事中风险控制和事后风险监督的全面操作风险防控机制,通过多种风险防控信息系统的建设,实现与商业银行综合业务系统的无缝衔接,构建起基于综合业务系统的操作风险管理体系和架构。本课题的创新点就在“从信息系统的角度整体构建商业银行操作风险防控体系”,通过对商业银行操作风险管理理论的分析,结合商业银行操作风险管理现状,提出了基于信息系统的操作风险防控体系,并通过山东城商行联盟综合业务系统进行充分实现,在当前风险防控流程的基础上,逐步实现全面的操作风险控制,最大程度地满足商业银行业务发展对信息技术的要求。
[Abstract]:Operational risk is one of the main risks faced by our country's commercial banks from the beginning to the end. Since -10s, domestic and foreign commercial banks have frequently occurred operational risk cases and caused varying degrees of economic losses. So that it is highly valued by the financial industry and governments. The new capital agreement 2004) formally put operational risk as the key content into the scope of capital supervision. The China Banking Regulatory Commission has also put the operational risk management of commercial banks into the regulatory focus. The development of China's commercial banks and the stability of the financial market must effectively prevent and control the operational risks. At present, the exploration and research on the operational risks of commercial banks in China is in its infancy. The frequent occurrence of operational risks in commercial banks has seriously damaged the social image of the banking industry, banking operations and financial markets. May 2007. The CBRC defines operational risk in the operational risk Management guidelines for Commercial Banks as internal procedures, staff and information technology systems that are imperfect or problematic. And the risk of possible loss caused by external events. Therefore, the stable operation of information technology systems is an important factor in the current operational risk of banks. The information construction of commercial banks and the level of science and technology have been further improved, the information technology infrastructure and environment have been further optimized, the core system has been upgraded and the electronic channels have been further enriched. With the improvement of the level of information construction of commercial banks, the operational risk has also shown an upward trend. How to reduce the operational risk has become an important issue. This paper mainly studies the following two issues: first, combining the current situation and characteristics of commercial banks. To establish a comprehensive risk prevention and control system based on information system, which is suitable for the operation risk management of the city commercial banks at present, including prevention beforehand, controlling and supervising the whole business process after the event; The second is based on the study of comprehensive operational risk prevention and control system of commercial banks, combined with commercial bank pre-risk prevention, risk control and post-event risk supervision of the overall operational risk prevention and control mechanism. Through the construction of a variety of risk prevention and control information system, we can realize the seamless connection with the commercial bank integrated business system. Build the operational risk management system and framework based on the integrated business system. The innovation of this topic is to "build a commercial bank operational risk prevention and control system from the perspective of information system". Based on the analysis of the operational risk management theory of commercial banks and the current situation of operational risk management in commercial banks, the operational risk prevention and control system based on information system is put forward. And through the Shandong City Commercial Bank Alliance integrated business system to fully realize, in the current risk prevention and control process based on the gradual realization of comprehensive operational risk control. To the greatest extent to meet the business development of commercial banks information technology requirements.
【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】：F832.2;TP315

【参考文献】