A银行个人理财业务风险管理措施研究

发布时间：2018-03-18 14:17

本文选题：个人理财业务　切入点：理财产品　出处：《长沙理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着金融市场的发展以及银行业竞争日渐加剧,商业银行获得收益的渠道不仅限于传统的净息差,中间业务收入逐渐成为商业银行收益的主要来源,个人理财业务是赚取中间业务收入的渠道之一。个人理财业务在国外已经是一项发展成熟的业务,拥有一套完整的风险管理体制,随着我国居民可支配收入的增加和理财需求的发展,我国商业银行个人理财业务这近十年也得到了迅猛发展,但是,其在风险管理上的不足逐渐显露出来,给银行的经营、管理带来的损害。本文以A银行个人理财业务风险管理为研究对象,运用全面风险管理、生命周期假说、行为金融学理论等理论,采用文献研究法、实地调研法,对A银行个人理财业务风险管理的现状进行分析,剖析A银行个人理财业务风险管理中存在的问题及原因,提出了相应的措施建议。文章主要分为五大部分,第一部分论述了研究的背景、意义,分析了国内外研究现状；第二部分论述了本文的理论基础,包括商业银行全面风险管理理论、生命周期假说、行为金融学理论；第三部分是对A银行个人理财业务及其风险管理现状的剖析,认为A银行个人理财业务风险管理存在着部门设定不合理、风险控制制度不完善、缺少有效的风险监督制度、从业人员操作不规范、理财产品风险管理机制未有效建立等问题,究其原因是个人理财业务内部控制水平不高、理财人才队伍建设滞后、客户风险意识薄弱：第五部分是针对A银行个人理财业务风险管理中存在的问题,结合A银行实际情,提出健全个人理财业务风险管理体系、提高从业人员素质、提高资产管理能力和资产定价能力等措施,旨在推进A银行建立完整的个人理财业务风险管理机制,提高A银行风险管理意识,促进其个人理财业务健康发展。
[Abstract]:With the development of the financial market and the increasing competition of the banking industry, the channel of the commercial banks' income is not limited to the traditional net interest margin, the intermediate business income gradually becomes the main source of the commercial banks' income. Personal finance business is one of the channels to earn income from intermediate business. Personal finance business is a mature business abroad, with a complete risk management system. With the increase of disposable income and the development of financial management demand, the personal finance business of commercial banks in our country has also developed rapidly in the past ten years. However, its deficiency in risk management has been gradually revealed to the management of banks. This paper takes the risk management of personal finance business of Bank A as the research object, applies the theories of total risk management, life cycle hypothesis, behavioral finance theory, and so on, adopts the literature research method, the field investigation method, etc. This paper analyzes the present situation of the risk management of personal finance business in Bank A, analyzes the problems and reasons in the risk management of personal finance business of Bank A, and puts forward the corresponding measures and suggestions. The article is divided into five parts. The first part discusses the background and significance of the research, analyzes the current research situation at home and abroad, the second part discusses the theoretical basis of this paper, including the commercial bank comprehensive risk management theory, life cycle hypothesis, behavioral finance theory; The third part is the analysis of personal finance business and its risk management status in Bank A. It is concluded that the risk management of personal finance business of A Bank is unreasonable, the risk control system is not perfect, and the effective risk supervision system is lacking. The problems such as the non-standard operation of practitioners and the failure to effectively establish the risk management mechanism of financial products are due to the low level of internal control in personal financial management business and the lagging behind in the construction of the contingent of financial talents. Customer risk awareness is weak: part 5th is aimed at the problems existing in the risk management of personal finance business of Bank A, combining with the actual situation of Bank A, the author puts forward a sound risk management system of personal financial management business to improve the quality of employees. The purpose of this paper is to improve the ability of asset management and asset pricing in order to promote A Bank to establish a complete risk management mechanism of personal finance business, to enhance the risk management consciousness of Bank A, and to promote the healthy development of its personal finance business.
【学位授予单位】：长沙理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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