NS银行柜台业务操作风险管理研究

发布时间：2018-03-16 09:42

本文选题：商业银行　切入点：操作风险　出处：《东北大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来,国内商业银行由于柜台业务操作风险引发的案件频发,涉案金额也越来越大,给商业银行和银行客户在一定程度上造成了负面的影响和损失。不实施有效的柜台业务操作风险管理,将严重损害商业银行的声誉,制约中国银行业的健康有序发展。那么,如何科学有效的进行柜台业务操作风险管理,是当前商业银行风险管理面临的重要问题。本文首先介绍国际银行界对商业银行操作风险的认识过程,再结合我国商业银行的现状,通过具体案例和数据说明选择柜台业务操作风险管理作为研究内容的理由,引出选题意义;从国内外两方面概述了商业银行操作风险、商业银行操作风险管理、商业银行内部控制的相关理论;介绍了商业银行柜台业务操作风险的概念和特点,以银行具体案例为例进行柜台业务操作风险识别,简述国内商业银行柜台业务操作风险管理的现状;介绍NS银行背景资料,结合具体案例,进行业务流程图分析,总结出NS银行柜台业务实务操作中各类业务的风险点,详细分析风险产生的原因;然后从该行基层营业网点柜台业务管理层面出发,分别针对风险点和风险成因提出风险控制措施,最后从风险管理框架出发,提出提升NS银行柜台业务操作风险管理水平的对策建议。
[Abstract]:In recent years, domestic commercial banks have frequently involved in cases caused by operational risks of over-the-counter business, and the amount involved is also increasing. It will seriously damage the reputation of commercial banks and bank customers and restrict the healthy and orderly development of the Chinese banking industry. How to carry out the operational risk management of the counter business scientifically and effectively is an important problem facing the commercial banks at present. This paper first introduces the process of understanding the operational risks of the commercial banks in the international banking community. Combined with the current situation of commercial banks in China, through specific cases and data to illustrate the reasons for selecting operational risk management of counter business as the research content, leading to the significance of the topic; from the domestic and foreign two aspects outlined the operational risk of commercial banks, This paper introduces the concept and characteristics of operational risk of over-the-counter business of commercial bank, taking the specific case of bank as an example to identify the operational risk of over-the-counter business. This paper briefly introduces the present situation of the operational risk management of domestic commercial bank's counter business, introduces the background information of NS bank, analyzes the business flow chart combined with the concrete cases, and summarizes the risk points of various kinds of business in the practical operation of the counter business of NS bank. The causes of risk are analyzed in detail, and then from the management level of counter business of the basic business outlets of the bank, the risk control measures are put forward in view of the risk points and the causes of risk respectively. Finally, the risk management framework is set out from the view of the risk management framework. Put forward the countermeasures and suggestions to improve the operational risk management level of NS bank counter business.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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