晋州银行吉祥三宝项目风险管理研究

发布时间：2018-01-22 17:07

本文关键词： 商业银行零售业务风险管理　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：伴随全球经济一体化的发展进程不断加快,我国也开始持续深化金融与经济体制改革,当前国内金融行业所面对的总体环境已经不再是僵化的计划经济体制,而是过渡为基于利润主导的市场经济体制。从1997年开始,国内有多家城市信用社被改组重建为城市商业银行。而伴随城市商业银行逐步形成规范并且专业的运营管理制度,目前已经在金融市场当中崭露头角。我国在2006年正式出台《外资银行管理条例》,这标志着国内金融市场将会对境外金融机构放开,从而和国内银行之间开展激烈的市场竞争。而且国有商业银行业开始了股份制改造工作,截止到2009年包括工商银行、建设银行、中国银行以及农业银行在内的四大国有商业银行已经分布完成股份制改革。至此,国内金融市场环境呈现出了股份制银行、外资银行以及中小城市商业银行并驾齐驱的势态。在这样激烈的竞争形式下,为了满足广大客户需求,尽可能争取优质客户,就必须做到金融产品品种的多样化和丰富化。但是,商业银行在金融行业蓬勃发展的过程中,切不可忽视风险管理,风险管理理论的开端可以追溯到上世纪30年代,但直到上世纪80年代末才有了蓬勃发展的形势。通过查阅历史可知,这与80年代末连接不断的金融危机是密不可分的,例如1990年的日本股市危机,1997年的亚洲金融风暴,1994至1995年的墨西哥比索危机,1992年的欧洲货币危机,以及1998年长期资本管理管理公司(LTCM)的倒闭和1987年的美国股市大崩盘等等。类似金融危机的发生给世界经济和金融市场的健康发展形成了巨大的影响,同时也提醒人们金融风险管理的意识是具有必要性和紧迫性的。因“吉祥三宝”项目是晋州银行新兴的针对储蓄零售产品开发的项目,及时发现项目潜在的风险,不仅对整个项目的发展提供安全的内外部环境,也对此银行的后续发展奠定基础.本文以晋州银行“吉祥三宝”项目为研究对象,以商业银行零售业务风险管理的相关概念、特征及理论研究为基础,根据自身多年银行工作经验,通过对“吉祥三宝”项目经营现状和潜在的风险分析,判断出“吉祥三宝”项目可能需要关注的风险隐患以及防范措施。从银行自身角度出发,通过既定流程,对零售业务各项指标进行风险识别,总结出“吉祥三宝”项目主要风险包括宏观政策风险、银行操作风险及信用风险等。为了有效规避银行项目运营中的风险隐患,本文通过全面风险管理、风险管理构架和风险因素结合说三个理论,并结合自身工作经验,对晋州银行风险管理提出长远控制的建议和措施。
[Abstract]:With the rapid development of global economic integration, China has begun to continue to deepen the financial and economic system reform, the current domestic financial industry is facing the overall environment is no longer rigid planned economy system. It is the transition to a profit-driven market economy, which began in 1997. A number of urban credit cooperatives have been restructured and rebuilt into urban commercial banks, and with the city commercial banks gradually formed a standardized and professional operation and management system. In 2006, China formally issued the regulations on the Management of Foreign Banks, which indicates that the domestic financial market will be open to foreign financial institutions. And the state-owned commercial banks began to reform the joint-stock system, until 2009, including the Industrial and Commercial Bank, China Construction Bank. The four major state-owned commercial banks, including Bank of China and Agricultural Bank, have completed the shareholding system reform. So far, the domestic financial market environment presents the joint-stock banks. Foreign banks and commercial banks in small and medium-sized cities keep pace with each other. In such a fierce competition, in order to meet the needs of the vast number of customers, as far as possible to strive for high-quality customers. It is necessary to diversify and enrich the variety of financial products. However, risk management should not be ignored in the process of the flourishing development of commercial banks in the financial industry. The beginning of the theory of risk management can be traced back to -70s, but it was not until the end of -20s that there was a booming situation. This is inextricably linked to the ongoing financial crisis at the end of 1995, such as the Japanese stock market crisis on 1990 and the Mexican peso crisis from 1994 to 1995 in 1997, the Asian financial turmoil. The European currency crisis in 1992. In 1998, long term capital management company (LTCM). The collapse of the U. S. stock market in 1987 and so on. Similar to the financial crisis to the world economy and the healthy development of financial markets have formed a huge impact. At the same time, it also reminds people that the awareness of financial risk management is necessary and urgent. Because the "auspicious three treasures" project is a new project of Jinzhou Bank aimed at the development of savings retail products. Timely discovery of the potential risks of the project not only provides a safe internal and external environment for the development of the whole project, but also lays the foundation for the subsequent development of the bank. Based on the related concepts, characteristics and theoretical research of retail business risk management of commercial banks, according to their own years of banking work experience, through the "auspicious three treasures" project management status and potential risk analysis. Judging the "auspicious three treasures" project may need to pay attention to the risks and preventive measures. From the perspective of the bank itself, through the established process, retail business indicators for risk identification. The main risks of the "auspicious three treasures" project include macro policy risk, bank operational risk and credit risk, etc. In order to effectively avoid the risk hidden danger in the operation of bank project, this paper adopts comprehensive risk management. Based on the three theories of risk management framework and risk factors, and combining with their own work experience, the paper puts forward some suggestions and measures for the long-term control of risk management in Jinzhou Bank.
【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】：F832.33

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