建设银行前后台分离模式下的操作风险管理研究

发布时间：2018-04-02 18:46

本文选题：前后台分离　切入点：操作风险　出处：《宁波大学》2014年硕士论文

【摘要】：2000年以来，国内金融体系进一步开放，商业银行间竞争更为激烈。依托日渐强大的IT技术，国外商业银行的后台运营集约化得以实现，银行流程再造所带来的成效被国内各家商业银行关注，纷纷向这种模式学习并尝试运用。这种模式即后台提供保障和支持，前台负责营销和服务功能，简称前后台分离，是银行流程再造在现阶段的具体表现形式。建行于2006年提出实行运营体制改革的第一代转型，2008年底启动了深化前后台业务分离项目改革的第二代转型，在2014年推行了网点综合化、柜员综合化、营销综合化的“三综合”的第三代转型。建行有步骤地实行前后台分离模式就是为了防止因为业务流程发生的巨大变化而产生的操作风险，以循序渐进的方式缓慢释放操作风险。同时前后台分离模式对建行的风险管理体制、内控体系都提出了更高的要求，急切需要运用操作风险管理理论来指导前后台分离模式的推行，使之趋于合理和完善。对建行前后台分离模式下的操作风险管理研究，一是为建行进行中的前后台分离第三次及以后转型的平稳运行提供理论参考，，以期加强后续的操作风险监控和管理；二是目前国内商业银行的前后台分离理论研究和实践均处于初级阶段，希望通过研究建行前后台分离模式下可能导致的风险问题，提出比较适用的操作风险管理对策，为完善国内商业银行操作风险管理体系，丰富操作风险管理理论，提供有价值的建议。本文对商业银行前后台分离模式概念及操作风险管理定义和框架进行了阐述，通过对商业银行前后台分离模式下现状的研究，指出在该种模式下可能出现的操作风险因素以及对应的风险损失类型，结合建行前后台分离模式推行过程中的现状，运用数据统计及案例分析的方法来寻找和印证建设银行前后台分离模式下操作风险可能发生的原因和主要类型，并借鉴国外具有代表性的商业银行：德意志银行和美国银行的先进操作风险管理经验，采用建设银行前后台分离操作风险实践与操作风险管理理论相结合的办法，以操作风险管理策略选择的基本原则为前提，提出了四大方向的策略，即健全独立的操作风险管理组织架构，完善操作风险管理流程，探求操作风险管理工具和方法和加强操作风险管理环境的建设。以期用策略来完善和建立合理的组织架构，为国内商业银行的可持续发展的提供动力，来实现有效的，能创造价值的，操作风险可控的前后台分离模式。
[Abstract]:Since 2000, the domestic financial system has been further opened, and the competition between commercial banks has become more intense.Relying on the increasingly powerful IT technology, foreign commercial banks can realize the intensification of back-office operation, and the results brought by the bank process reengineering have been concerned by domestic commercial banks, so they have learned from this model and tried to use it.This mode is the backstage to provide security and support, the foreground is responsible for marketing and service functions, referred to as the separation of the front and back, is the specific manifestation of bank process reengineering at the present stage.In 2006, CCB initiated the second generation transformation of deepening the reform of the former and backstage business separation projects at the end of 2008, and carried out the network integration and teller integration in 2014.The third generation transformation of marketing integration.In order to prevent the operational risk caused by the huge change of business process, CCB implements the separation mode step by step, and releases the operational risk in a gradual and gradual manner.At the same time, the front-end separation mode has put forward higher requirements to the risk management system and internal control system of CCB, so it is urgent to use the operational risk management theory to guide the implementation of the separation model, so that it tends to be reasonable and perfect.The research on the operational risk management in the former and backstage separation mode of CCB is as follows: one is to provide a theoretical reference for the smooth operation of the third and subsequent transition of CCB in order to strengthen the monitoring and management of subsequent operational risks;Second, at present, the theoretical research and practice of the front-end separation of domestic commercial banks are in the primary stage. We hope to put forward more suitable operational risk management countermeasures by studying the risk problems that may be caused by CCB's front-and-back separation mode.In order to perfect the operational risk management system of domestic commercial banks, enrich the operational risk management theory, and provide valuable advice.In this paper, the concept and definition of operational risk management of commercial bank is expounded, and the current situation of commercial bank separation mode is studied by means of the definition and framework of operational risk management.This paper points out the possible operational risk factors and the corresponding risk loss types in this mode, combined with the current situation in the implementation of the former and backstage separation mode of CCB.Using the method of data statistics and case analysis to find and verify the possible causes and main types of operational risks under the separation mode of front and back of China Construction Bank.Using the advanced operational risk management experience of Deutsche Bank and Bank of America for reference, the paper combines the practice of operational risk separation with the theory of operational risk management of CCB.Based on the basic principles of the choice of operational risk management strategy, the paper puts forward four major strategies, that is, to perfect the independent organizational structure of operational risk management, and to perfect the operational risk management process.Explore operational risk management tools and methods and strengthen the construction of operational risk management environment.With a view to improve and establish a reasonable organizational structure with strategies to provide a motive force for the sustainable development of domestic commercial banks, to achieve an effective, value-creating, operational risk controllable front-and-back separation model.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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