商业银行柜面业务操作风险管理研究

发布时间：2018-07-08 13:59

本文选题：商业银行 + 柜面业务　；参考：《天津财经大学》2014年硕士论文

【摘要】：商业银行是一个属于风险密集、资金密集、技术密集的服务和竞争行业。目前,在商业银行的操作风险中,柜面业务操作风险是其中一个非常重要的方面。如果不对柜面业务的操作风险引起重视,不充分防范就很有可能带给银行各种关于声誉上的不良影响,或是管理问题的影响,或是未来发展的影响等等。本文首先从最基本的角度分析了商业银行操作风险管理的基本概念、风险产生的原因、风险带来的问题损失、风险大致的分类。然后针对上述问题对怎样加强柜面业务风险管理提出了建议。最后依照实际业务操作经验和一些典型案例,具体分析描述了商业银行柜面业务操作风险管理的方式方法。对于柜面业务操作风险的管理是多方面的,主要来自于内部流程、银行业务操作人员、银行核心系统、外部突发事件等方面。商业银行完善的内部控制流程是柜面业务操作风险的“领导者”；商业银行柜面操作人员和其主管人员是柜面业务风险的操作控制主体,是银行柜面操作风险防范的“主力军”；先进的业务操作系统是柜面业务操作风险的“坚实后盾”。柜面业务操作风险的管理必须将这些方面统筹管理执行,才能起到防范风险的实际作用。银行承兑汇票是商业银行业务发展中最重要的业务品种之一,它给商业银行带来的收益是可观的。但是这项业务是把双刃剑,操作过程中稍有不慎又会给银行带来不小的风险损失。所以本文同时还将银行承兑汇票业务的操作风险进行了具体的案例研究。
[Abstract]:Commercial bank is a risk-intensive, capital-intensive, technology-intensive service and competition industry. At present, among the operational risks of commercial banks, the operational risk of counter business is one of the most important aspects. If the operational risk of counter business is not paid attention to, it is likely to bring all kinds of adverse effects on reputation, management problems, future development and so on. This paper first analyzes the basic concept of operational risk management of commercial banks, the causes of risk, the problem loss caused by risk, and the classification of risk from the most basic point of view. Then it puts forward some suggestions on how to strengthen the risk management of counter business. Finally, according to the practical operation experience and some typical cases, the paper analyzes and describes the ways and means of the operational risk management of the commercial bank's counter business. There are many aspects in the management of the operational risk of the counter business, mainly from the internal process, the bank operator, the core system of the bank, the external emergency and so on. The perfect internal control flow of the commercial bank is the "leader" of the operational risk of the counter business, and the counter operator and its supervisor of the commercial bank are the main body of the operation control of the business risk of the counter. Is the bank counter operation risk prevention "main force", the advanced business operating system is the cabinet business operation risk "solid backing". The management of operational risk of counter business must manage these aspects as a whole in order to play a practical role in preventing risks. Bank acceptance draft is one of the most important business types in the development of commercial bank business. But this business is a double-edged sword, the operation of a little carelessness will bring a lot of risk to the bank. So this article also carries on the concrete case study to the bank acceptance bill operation risk.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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