上海民生银行的风险管理改善方案研究

发布时间：2018-04-15 16:53

本文选题：商业银行 + 全面风险　；参考：《中南大学》2014年硕士论文

【摘要】：摘要：金融一体化、经济全球化、金融创新的广泛应用给银行业带来了巨大的收益,同时也使银行面临的风险趋于多样化、复杂化。巴塞尔新资本协议对全球银行业的风险管理制定了新的标准,它所引领的全面风险管理模式也代表着全球银行业风险管理的发展方向。民生银行成立时间短,业务拓展速度快,发展也面临着越来越大的风险管理压力,需要建立以市场风险、信用风险、操作风险、流动性风险为核心的全面风险管理体系为日常经营管理提供保障。本文共分为六部分,第一部分介绍了研究背景和意义等；第二部分介绍了商业银行风险管理的相关理论即公司治理理论、全面风险管理理论和流程再造理论,以及国外发达国家商业银行风险管理模式和我国商业银行风险管理模式；第三部分,我们对上海民生银行的风险管理现状分类进行分析,发现民生银行在信用风险、流动性风险、市场风险的日常管理都存在问题；第四部分,本文结合上海民生银行目前的风险管理状况,提出上海民生银行在风险管理方面存在的问题的改善措施,即缺乏统一的风险管理理念、尚未建立全面风险管理体系、风险管理技术相对落后的完善方案；第五部分,通过案例来分析民生银行风险管理改善的具体成果,检验民生银行在操作风险管理、信用风险管理和流动性风险管理的提升。第六部分,总结了本文的研究结论和未来研究方向。
[Abstract]:Absrtact: the extensive application of financial integration, economic globalization and financial innovation brings enormous benefits to the banking industry, and also makes the risks faced by banks tend to be diversified and complicated.The new Basel Capital Accord sets a new standard for the risk management of the global banking industry, and the comprehensive risk management model it leads also represents the development direction of the global banking risk management.Minsheng Bank has a short time to establish, business expansion is fast, and development is also facing increasing pressure of risk management. It is necessary to establish market risk, credit risk, and operational risk.The comprehensive risk management system with liquidity risk as the core provides guarantee for daily operation and management.This paper is divided into six parts, the first part introduces the research background and significance, the second part introduces the related theories of commercial bank risk management, that is, corporate governance theory, comprehensive risk management theory and process reengineering theory.And the risk management model of commercial banks in developed countries and the risk management mode of commercial banks in China. The third part, we analyze the current situation of risk management of Shanghai Minsheng Bank, and find that Minsheng Bank is credit risk.Liquidity risk and the daily management of market risk are all existing problems. The fourth part, combined with the current risk management situation of Shanghai Minsheng Bank, puts forward the measures to improve the risk management of Shanghai Minsheng Bank.That is, lack of a unified risk management concept, has not yet established a comprehensive risk management system, risk management technology is relatively backward to improve the scheme; part five, through a case study of Minsheng Bank risk management improvement concrete results,Test Minsheng Bank in operational risk management, credit risk management and liquidity risk management promotion.The sixth part, summarizes the research conclusion and future research direction of this paper.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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