D银行长春分行电子银行风险管理研究

发布时间：2018-01-15 08:42

本文关键词：D银行长春分行电子银行风险管理研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：伴随着计算机技术和互联网电子商务的不断发展,电子银行业务在全世界范围内迅速地普及开来。电子银行的出现给传统银行业带来了前所未有的发展机遇,同时也引发了一系列未知的风险。高度依赖信息技术的电子银行与传统银行所面临的风险有明显的不同,这给传统银行的风险管理提出了全新的挑战和要求,商业银行必须不断创新和完善电子银行的风险管理内容,才能够及时有效地应对电子银行带来的风险和挑战,确保商业银行的健康稳定发展。本文正是在电子银行快速发展的背景下,以D银行长春分行为例,探讨如何在竞争激烈的金融环境下,提升我国电子银行的风险管理水平。本文主要采用了文献研究法、调查法、比较分析法等方法进行研究分析。开篇重点对国内外电子银行风险管理研究的现状进行了介绍,尤其是国外权威机构在电子银行风险监管制度方面的研究成果,对本文的分析研究有重要的参考作用。在理论部分,主要对本文的指导理论,也就是全面风险管理框架进行了详细的介绍。同时分别对商业银行和电子银行的定义、分类、风险管理现状及程序进行了简述,为后文的分析奠定理论基础。在文章第三部分,重点阐述了本文的研究对象——D银行长春分行电子银行的风险管理现状,并进行深入的调查分析,发现其在风险管理体系、组织架构和风险防范等方面存在的风险管理问题。接下来,在文章的核心部分,从风险识别与评估、风险应对和风险监控三个方面,针对D银行长春分行电子银行风险管理方面存在的问题,构建该行电子银行的风险管理体系,以提高其风险管理水平。最后,结合前文的研究和分析,本文从全面风险管理意识、风险管理机制、系统安全建设、风险应急体系和内外部监管等方面出发,为提升我国电子银行风险管理水平提出了五点对策建议。希望本文的研究有助于D银行长春分行电子银行业务的稳健发展,能为提升我国电子银行风险管理水平提供一定的帮助。
[Abstract]:With the continuous development of computer technology and Internet e-commerce, electronic banking business in the world rapidly spread. The emergence of electronic banking has brought unprecedented development opportunities to the traditional banking industry. At the same time, it also leads to a series of unknown risks. Electronic banking, which is highly dependent on information technology, is obviously different from the traditional banks, which puts forward new challenges and requirements for the risk management of traditional banks. Commercial banks must constantly innovate and improve the risk management content of electronic banks in order to respond to the risks and challenges brought by electronic banks in a timely and effective manner. To ensure the healthy and stable development of commercial banks. This article is in the context of the rapid development of electronic banking, taking Changchun Branch of Bank D as an example, discusses how to in the competitive financial environment. In order to improve the risk management level of electronic banks in China, this paper mainly adopts the literature research method and the investigation method. At the beginning of the paper, the author introduces the current situation of risk management research in electronic banking, especially the research results of foreign authoritative institutions in the risk supervision system of electronic banking. This paper has an important reference for the analysis of the research. In the theoretical part, mainly to guide the theory of this paper. That is, the comprehensive risk management framework is introduced in detail. At the same time, the definition, classification, risk management status and procedures of commercial banks and electronic banks are briefly described. In the third part of the article, the paper focuses on the research object of D Bank Changchun Branch of the current situation of risk management, and in-depth investigation and analysis. Found its risk management system, organizational structure and risk prevention and other aspects of risk management. Next, in the core part of the article, from the risk identification and evaluation, risk response and risk monitoring three aspects. Aiming at the problems in risk management of E-bank in Changchun Branch of Bank D, this paper constructs the risk management system of E-Bank in order to improve its risk management level. Finally, combined with the previous research and analysis. This article starts from the overall risk management consciousness, the risk management mechanism, the system security construction, the risk emergency system and the internal and external supervision and so on. In order to improve the level of electronic banking risk management in China put forward five countermeasures and suggestions. I hope the study of this paper will be helpful to the steady development of E-banking business in Changchun Branch of D Bank. It can help to improve the level of risk management of electronic banking in China.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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