民生银行济南分行财务风险评价及管理研究

发布时间：2018-01-16 17:22

本文关键词：民生银行济南分行财务风险评价及管理研究　出处：《湖北工业大学》2017年硕士论文　论文类型：学位论文

【摘要】：伴随金融国际化的不断发展,资本外流成为一种趋势,在此基础上,金融投资的风险性也在持续增加。为了加强对资本风险的管控,越来越多的专家学者加入了金融财务风险的研究行列。国内涉及财务风险的研究还处于起步阶段,没有形成比较完善的理论,也没有出现科学化的检测和管控模式。在目前的银行财务风险管理实践中,银行财务风险存在着风险管理体系分散、人为因素比重较高、风险管理模型适用性不足、分散风险能力不足、电子化水平较低等诸多不利因素,这些因素的存在直接影响到了商业银行的战略转型、市场化改革、经营管理效能提升和信息化建设,需要引起研究者的关注与重视。在商业银行的财务风险管理过程中,财务风险是贯穿始终的,其对于银行稳定与发展具有重要的意义。在本文的研究过程中,商业银行的资本风险、资产质量风险、流动性风险、盈利风险等是常见的财务风险形态,需要引起关注与重视。本文进行研究分析时,运用了参考文献的方法、模糊综合评价法、引用实际案例分析等方法。第一,通过借鉴文献研究,总结了商业银行财务风险的相关概念,对商业银行财务风险的基本类型展开研究分析。第二,通过分析影响财务风险的各项指标因素,建立商业银行财务风险的指标集合,构建模糊综合评价模型,以民生银行济南分行作为研究事例,对其财务风险进行评价并得出结论,民生银行济南分行存在的重要风险为资产质量风险。最后,根据民生银行济南分行的经营情况,提出后期整合风险控制对策的建议,商业银行资本结构的优化与资本质量提升,建立合理有效的风险管理机制,加强员工培训、企业文化构建等,以推动民生银行的健康发展本文通过有效的研究分析,期望对国内商业银行开展财务风险管控工作提供帮助。
[Abstract]:With the continuous development of financial internationalization, capital outflow has become a trend, on this basis, the risk of financial investment is also increasing. In order to strengthen the control of capital risk. More and more experts and scholars have joined the research ranks of financial risk. The domestic research on financial risk is still in its infancy and has not formed a relatively perfect theory. There is no scientific detection and control model. In the current banking financial risk management practice, the bank financial risk management system is scattered, the proportion of human factors is high. The applicability of risk management model is insufficient, the ability to disperse risk is insufficient, the level of electronization is low, and so on. The existence of these factors has directly affected the strategic transformation and market-oriented reform of commercial banks. In the process of financial risk management of commercial banks, financial risk runs through the whole process. In the research process of this paper, the capital risk, asset quality risk, liquidity risk, profit risk and so on of commercial banks are common financial risks. Need to attract attention and attention. This paper uses the method of reference, fuzzy comprehensive evaluation, citing the actual case analysis and other methods. First, through the use of literature research. Summarized the relevant concepts of financial risk of commercial banks, the basic types of financial risks of commercial banks to carry out research and analysis. Second, through the analysis of the impact of the financial risk of the various index factors. Set up the index set of financial risk of commercial bank, construct fuzzy comprehensive evaluation model, take Jinan Branch of Minsheng Bank as an example, evaluate its financial risk and draw a conclusion. The important risk of Minsheng Bank Jinan Branch is the risk of asset quality. Finally, according to the operating situation of Jinan Branch of Minsheng Bank, the paper puts forward the suggestion of risk control in the later period. The commercial bank capital structure optimization and the capital quality enhancement, establishes the reasonable and effective risk management mechanism, strengthens the staff training, the enterprise culture construction and so on. In order to promote the healthy development of Minsheng Bank this paper through effective research and analysis expects to help domestic commercial banks to carry out financial risk management.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

【参考文献】