中国进出口银行吉林省分行操作风险管理研究

发布时间：2018-01-20 05:28

本文关键词： 进出口银行内部控制操作风险　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：金融危机以来,我国政府为了稳定经济采取了一系列的促进经济政策,尤其是近年来,我国银行业在金融系统中的地位愈发重要,而与此同时,我国银行业不良贷款率逐年上升,客户信用风险频发,银行在信用风险、操作风险等方面的防范已成为中国监管当局以及各银行机构都亟需面对的重大课题。中国进出口银行吉林省分行2014年成立以来,虽然能够较好的完成总行下达的各项指标,但是由于制度不健全,系统保障不充足,人员结构不合理,绩效考核欠科学、信贷业务内部控制的执行力较低、监督力度不够、奖惩机制不健全等多种问题的存在,该行的操作风险管理水平要远远落后于商业银行。伴随着业务的迅速发展,现阶段,该行已经暴露初信贷操作流程的不健全、贷款审批违规操作、贷款发放支付流程不符合规定等一系列操作风险,这些操作风险虽然暂时未带来实质的损失,但已经对该行的内控管理水平带来了影响,同时该行的信用风险也逐渐暴露。面对新形势新任务,如何提升该行操作风险管理水平,尤其是把控操作风险已经成为该行一项重要任务。在此背景下,本文主要论述了中国进出口银行吉林分行操作风险存在的问题,分析操作风险发生的原因,并从中提出改进意见。最后就上述策略的全面实施,提出了相关保障措施,一方面是促进该行的稳健经营;另一方面提升该行的管理水平,促进其更好地应对国际金融竞争。
[Abstract]:Since the financial crisis, our government has adopted a series of economic policies to stabilize the economy, especially in recent years, the status of our banking industry in the financial system has become increasingly important, but at the same time. The non-performing loan rate of our country's banking industry is rising year by year, the customer credit risk occurs frequently, the bank is in the credit risk. Operational risk prevention has become a major issue that Chinese regulatory authorities and banking institutions urgently need to face. The Jilin Branch of Export-Import Bank of China has been established since 2014. Although it can complete the indicators issued by the head office, but because the system is not perfect, the system protection is not sufficient, the personnel structure is unreasonable, the performance appraisal is not scientific, the execution ability of the internal control of the credit business is low. Supervision is not enough, reward and punishment mechanism is not perfect and so on, the operational risk management level of the bank lags far behind commercial banks. With the rapid development of business, at the present stage. The bank has exposed a series of operational risks, such as the imperfect credit operation process, the illegal operation of loan approval and approval, the non-conformity of the loan payment process, and so on, although these operational risks have not brought substantial losses for the time being. But has already brought the influence to the bank's internal control management level, at the same time the bank's credit risk also gradually exposed. Facing the new situation and the new task, how to enhance the bank's operational risk management level. In particular, the control of operational risk has become an important task of the bank. Under this background, this paper mainly discusses the existing problems of operational risk in Jilin Branch of Export-Import Bank of China, and analyzes the reasons for the occurrence of operational risk. Finally, the paper puts forward the relevant safeguard measures for the comprehensive implementation of the above strategy, on the one hand, to promote the steady operation of the bank; On the other hand, improve the management of the bank, promote its better response to international financial competition.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.31

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