建设银行风险管理问题研究

发布时间：2018-10-24 08:54

【摘要】：银行属于一个特殊的事业单位,银行在经营过程中存在一定的风险。从现代商业银行管理理论我们可以知道,银行的风险管理能力十分重要,直接决定着银行的核心竞争力。作为我国四大商业银行之一,中国建设银行与其他的商业银行一样,其经营方式也发生过重大的转变,由粗放型成功转型到集约型。当建行成功实现股份制转变后,尤其是在香港地区上市之后,这就对建行的风险管理能力提出了很高的要求,只要建行的风险管理能力得到本质性的提升,那么建行就可以成为世界一流商业银行。本文基于此背景,以建行风险管理为分析对象,对建行风险管理现状、存在问题和原因进行了分析。而且,本文创新性的从商业银行风险管理理论演变的角度出发,深入地分析了新巴塞尔协议对建行风险管理的影响,找到了当前建行在风险管理方面与世界一流银行的差距,然后再重点从优化风险管理体系,加快内部评级系统建设等等方面进行了研究,并制定出相应的对策和建议,从而在一定程度上帮助建行提高其风险管理水平。
[Abstract]:The bank belongs to a special institution, the bank has certain risks in the course of operation. From the modern management theory of commercial banks, we can know that the risk management ability of banks is very important, which directly determines the core competitiveness of banks. As one of the four major commercial banks in China, China Construction Bank, like other commercial banks, has undergone a major change in its management mode, from extensive successful transformation to intensive. When CCB successfully realized the share-holding system transformation, especially after listing in Hong Kong, this put forward a very high demand on CCB's risk management ability, as long as CCB's risk management ability was fundamentally enhanced. So CCB can become a world-class commercial bank. Based on this background, taking CCB risk management as the analysis object, this paper analyzes the present situation, existing problems and reasons of CCB risk management. Furthermore, from the perspective of the evolution of the risk management theory of commercial banks, this paper analyzes the impact of Basel II agreement on CCB's risk management, and finds out the gap between CCB and the world's top banks in risk management. Then it focuses on optimizing the risk management system, speeding up the construction of internal rating system and so on, and formulates the corresponding countermeasures and suggestions to help CCB improve its risk management level to a certain extent.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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