建行黑龙江分行风险管理体系的研究

发布时间：2018-03-02 19:03

本文选题：银行管理　切入点：风险管理体系　出处：《哈尔滨理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：商业银行是金融产业的重要组成部分，，占据主导地位，在经济发展的过程中起着举足轻重的作用，是政府进行宏观调控的重要手段。商业银行是经营风险的特殊行业，风险管理是商业银行日常管理的重要内容，银行的风险管理能力决定银行的盈利水平、经营稳定性和商业价值，面对日趋激烈的行业竞争，由于风险管理不善，导致银行倒闭、破产已屡见不鲜。银行的风险管理是一个古老而又永久的话题，众多学着、管理者、国际组织相继提出风险管理理论和计量模型，特别是巴塞尔委员会新资本协议的制定，为全球银行业全面风险管理提供新的标准。中国商业银行不但承受国际金融环境突变的压力，而且面临国内经济结构变革的挑战，只有转变风险管理理念、管理机制，才能在新的竞争环境中生存和发展。本文首先对论文选题背景、研究的目的及意义、国内外银行风险管理的研究现状等进行了综述，介绍建行黑龙江分行风险管理体系研究的目的和内容，结合建行黑龙江分行风险管理现状，构风险管理模型。对建行黑龙江分行面临的风险进行特征分析，发现风险管理存在的问题，根据风险特征构建风险度量体系，全面认识建行黑龙江分行面临的风险。采用内部控制和外部调节的手段防范、化解风险，构建风险管理文化、变革组织结构、加强风险管理技术，保障风险管理体系的运行，为该分行风险管理提供合理有效的手段。
[Abstract]:Commercial bank is an important part of the financial industry, occupies a leading position, plays a pivotal role in the process of economic development, and is an important means for the government to carry out macro-control. Risk management is an important part of the daily management of commercial banks. The ability of risk management of banks determines the profitability, stability and commercial value of banks. In the face of increasingly fierce competition in the industry, banks fail because of poor risk management. Bank risk management is an ancient and permanent topic. Many scholars, managers and international organizations have put forward risk management theory and measurement model, especially the establishment of new capital agreement of the Basel Committee. The Chinese commercial banks not only bear the pressure of the sudden change of the international financial environment, but also face the challenge of the domestic economic structural transformation. In order to survive and develop in the new competitive environment. First of all, this paper summarizes the background, the purpose and significance of the research, the current situation of the risk management of banks at home and abroad, and introduces the purpose and content of the risk management system of China Construction Bank Heilongjiang Branch. According to the current situation of risk management in Heilongjiang Branch of China Construction Bank, a risk management model is constructed. The characteristics of risk management in Heilongjiang Branch of China Construction Bank are analyzed, the problems in risk management are found, and the risk measurement system is constructed according to the risk characteristics. Fully understand the risks faced by China Construction Bank Heilongjiang Branch, prevent risks by means of internal control and external regulation, defuse risks, construct risk management culture, reform the organizational structure, strengthen risk management techniques, and ensure the operation of risk management systems. To provide reasonable and effective means for risk management of the branch.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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