基于内部控制的A银行风险管理

发布时间：2018-07-02 09:26

本文选题：A银行 + 内部控制　；参考：《昆明理工大学》2014年硕士论文

【摘要】：随着经济全球化快速发展,中国银行业遇到了空前的发展与挑战,同样,由于中国金融业的一步步打破传统思想,伴随国外的商业银行的加入和相互间的压力以及国内商业银行为加大业务量不断推出的新的业务种类,使其面临的风险也随之不断加大。我国商业银行所面临的风险大致可以分为市场风险、信用风险和操作风险三种。前两者在很早前就备受金融机构的关注,迄今为止已经有了颇为成熟的风险管理控制技术,而对于操作风险而言,虽然商业银行自诞生以来就一直存在,国际上因为操作风险导致的银行倒闭、巨额亏损时有发生,所以国外很早就开始重视操作风险的研究,并且趋于成熟。然而我国银行因为其所处的经济体制等各方面因素,一直没把操作风险放在风险管理的首要位置。近些年,因为操作风险所引发的银行遭受巨额损失案件频有发生,归根结蒂主要还是我国商业银行内部控制体系不完善所引起。因此,加强内部控制体系建设是我国金融改革形势对商业银行的客观要求,也是商业银行自身经营发展、应对同业竞争和挑战的必然选择。本文以基于内部控制的A银行风险管理为参考研究对象,根据A银行所处的市场环境及A银行的企业文化环境入手,对其风险管理现状进行研究,指出A银行的风险点及问题所在,并分析A银行产生风险的原因。同时对A银行的风险管理体系的整体设计和制度构建提出了相应的对策及建议。本文的研究将借鉴并应用西方现代新型风险管理技术和手段,为我国各大商业银行制度的完善以及加快建立健全我国银行业风险管理体系提供有价值的实际参考,这对于提高和完善我国各大商业银行的经济风险管理水平具有重要的理论价值和不可替代的现实意义。
[Abstract]:With the rapid development of economic globalization, China's banking industry has encountered unprecedented development and challenges. With the joining of foreign commercial banks and the pressure of each other and the new types of business introduced by domestic commercial banks in order to increase the volume of business, the risks faced by them are also increasing. The risks faced by commercial banks in China can be divided into three types: market risk, credit risk and operational risk. The first two have long been the concern of financial institutions. So far, there have been quite mature risk management and control techniques, and for operational risks, although commercial banks have existed since their birth, Because of the collapse of banks caused by operational risk and the occurrence of huge losses in the world, foreign countries have begun to attach great importance to the study of operational risk and tend to mature. However, because of its economic system and other factors, Chinese banks have not put operational risk in the primary position of risk management. In recent years, due to the operational risk caused by the banks suffered huge losses frequently occurred, in the final analysis is mainly caused by the imperfect internal control system of commercial banks in China. Therefore, strengthening the construction of internal control system is the objective requirement of our country's financial reform situation to the commercial banks, and is also the inevitable choice for the commercial banks to develop their own management and to deal with the competition and challenges of the same industry. This paper takes the risk management of Bank A based on internal control as the reference object, according to the market environment of Bank A and the corporate culture environment of Bank A, the present situation of risk management of Bank A is studied. This paper points out the risk points and problems of Bank A, and analyzes the causes of the risks in Bank A. At the same time, the paper puts forward the corresponding countermeasures and suggestions on the overall design and system construction of the risk management system of Bank A. The research in this paper will draw lessons from and apply modern and new risk management techniques and means to provide valuable practical reference for the perfection of various commercial bank systems in China and the acceleration of establishing and perfecting the banking risk management system in China. This has important theoretical value and irreplaceable practical significance for improving and perfecting the level of economic risk management of major commercial banks in China.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3;F272.3

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