商业银行理财业务操作风险管理机制研究

发布时间：2019-02-09 14:34

【摘要】：作为提升核心竞争力、增强盈利能力和改善业务结构的战略举措，我国商业银行在发展理财业务方面一直不遗余力。由于受我国金融法律制度、银行管理体制和理财市场发育程度等方面的制约，我国理财业务在快速发展的同时，在许多方面形成了突出的操作风险。目前我国理财业务操作风险的问题主要体现在：在产品设计上，缺乏科学的风险管理措施；在风险对冲上，缺乏有效的资本计提方法；在业务运作上，缺乏完善的理财业务流程；在系统管理上，缺乏可靠的操作风险损失数据库；在管理规范上，缺乏一个行之有效的操作风险管理体系。完善商业银行理财业务操作风险管理机制，对于提高我国商业银行的全面风险管理能力、促进我国商业银行理财业务持续健康发展、更好地满足广大人民群众的投资理财需求具有十分重要的意义。本文首先以国外关于操作风险研究理论和国内对理财业务操作风险的研究成果为基础，为下一步对我国商业银行理财业务操作风险管理机制的分析提供理论依据。其次，，从我国商业银行理财业务发展的现状出发，归纳分析我国商业银行在理财业务操作风险管理中存在的问题，探讨我国理财业务操作风险管理的现状，同时详细介绍了我国对理财业务操作风险监管历程。再次，介绍并总结了国际先进银行的操作风险管理经验，同时探讨了6σ管理方法、全面风险管理理论和主要操作风险管理工具在操作风险管理中应用的可行性，为我国商业银行理财业务操作风险管理提供借鉴。最后，根据对理财业务操作风险的综合研究，对我国商业银行理财业务操作风险管理的机制建设提出具体的解决方案。
[Abstract]:As a strategic measure to enhance core competitiveness, enhance profitability and improve business structure, Chinese commercial banks have been sparing no effort in developing financial management business. Because of the restriction of our country's financial law system, bank management system and financial market development degree, the financial management business in our country has developed rapidly, at the same time, it has formed outstanding operational risk in many aspects. At present, the operational risks of financial management in China are mainly reflected in the following aspects: lack of scientific risk management measures in product design, lack of effective capital collection methods in risk hedging; In business operation, there is a lack of perfect financial management business process, lack of reliable operational risk loss database in system management, and lack of an effective operational risk management system in terms of management norms. Perfecting the operational risk management mechanism of commercial banks' financial management business will improve the overall risk management ability of our country's commercial banks and promote the sustainable and healthy development of our country's commercial banks' financial management business. It is of great significance to better meet the investment and financial needs of the broad masses of the people. Based on the theory of operational risk in foreign countries and the domestic research results on operational risk of financial management business, this paper provides a theoretical basis for the next analysis of operational risk management mechanism of financial management business in commercial banks in China. Secondly, starting from the present situation of the development of the financial management business of the commercial banks in China, this paper sums up and analyzes the problems existing in the operation risk management of the financial management business of our country's commercial banks, and probes into the present situation of the operation risk management of the financial management business in our country. At the same time, it introduces in detail the course of supervision on the operational risk of financial management in China. Thirdly, it introduces and summarizes the operational risk management experience of international advanced banks, and discusses the feasibility of applying 6 蟽 management method, comprehensive risk management theory and main operational risk management tools in operational risk management. To provide reference for our country commercial bank financial management operation risk management. Finally, according to the comprehensive study on the operational risk of financial management business, the paper puts forward the concrete solution to the construction of the mechanism of the operation risk management of the financial management business of our country's commercial banks.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272.3;F832.2

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