基于内控视角下的重庆TY商业银行操作风险管理研究

发布时间：2018-04-19 04:16

本文选题：商业银行 + 内部控制　；参考：《重庆理工大学》2017年硕士论文

【摘要】：在商业银行的传统经营管理中,信用风险和市场风险往往作为银行管控的一个重点,而操作风险因为其相对隐蔽性的特征,一直没有过多的受到银行业的重视。近年来银行业逐步的开始认识到操作风险在商业银行中存在的巨大威胁,也成为了当前商业银行经营管理中的一个非常重要的议题。重庆TY商业银行从成立之初,就提出了完善操作风险管理的基本思路,并制定了相应的制度措施,但是实际运行中,依然存在较多问题,这些问题的存在对于今后的发展带来了一个隐患。为了帮助重庆TY商业银行更好的进行操作风险管理,本文从内控以及操作风险的相关理论基础上,对重庆TY商业银行进行调研,分析影响其操作风险的基本因素,并加以评估。在此基础上,提出了基于内控视角来完善重庆TY商业银行操作风险管理的基本对策措施。本论文包含了6个部分,第一部分研究背景和意义。主要介绍本论文的研究背景以及意义,在本文中所采用的基本研究方法。第二部分为相关理论和方法。主要介绍本论文中所涉及的到理论和方法。包括操作风险以及商业银行内控理论以及层次分析法和模糊综合判断等。第三部分重庆TY商业银行现有操作风险管理及内控分析。在这部分,首先对重庆TY商业银行操作风险进行分析,同时对其内控现状进行分析,以发现存在的问题。第四部分重庆TY商业银行操作风险评价。在结合第三部分问题分析基础上设定相应评价指标对TY商业银行操作风险进行实际评价。第五部分在分析评价基础上,提出基于内控环境、文化、内控组织等方面加强TY商业银行操作风险管理。第六部分为论文研究结论。这部分主要总结本文研究所得到的结论以及存在的不足之处。本研究结合笔者所在的重庆TY商业银行的实际,分析它在操作风险管理中存在的问题,对其操作风险的来源以及构成要素进行识别和评价,在此之上,提出了基于内控视角来提升操作风险管理的具体措施。在研究过程中,深入调研,大量收集了原始资料和二手资料,做到了理论与实际的有力结合。
[Abstract]:In the traditional management and management of commercial banks, credit risk and market risk are often regarded as an important part of bank control, while operational risk has not been paid much attention to by the banking industry because of its relatively hidden characteristics.In recent years, the banking industry has gradually begun to realize the huge threat of operational risk in commercial banks, which has become a very important issue in the management of commercial banks.From the beginning of its establishment, Chongqing TY Commercial Bank put forward the basic idea of perfecting operational risk management, and formulated corresponding system measures. However, there are still many problems in the actual operation.The existence of these problems brings a hidden danger to the future development.In order to help Chongqing TY commercial bank to carry on the operation risk management better, this article from the internal control as well as the operation risk correlation theory foundation, carries on the investigation to Chongqing TY commercial bank, analyzes the basic factor which affects its operation risk, and carries on the appraisal.On this basis, this paper puts forward the basic countermeasures to improve the operational risk management of Chongqing TY Commercial Bank from the perspective of internal control.This paper includes six parts, the first part of the research background and significance.This paper mainly introduces the research background and significance, the basic research methods used in this paper.The second part is related theories and methods.This paper mainly introduces the theory and method involved in this paper.It includes operational risk, internal control theory of commercial banks, AHP and fuzzy comprehensive judgment.The third part is the analysis of operational risk management and internal control of Chongqing TY Commercial Bank.In this part, the operation risk of Chongqing TY commercial bank is analyzed, and the present situation of its internal control is analyzed to find the existing problems.The fourth part is the operational risk evaluation of Chongqing TY Commercial Bank.Based on the analysis of the third part, the corresponding evaluation index is set to evaluate the operational risk of TY commercial bank.In the fifth part, based on the analysis and evaluation, the author proposes to strengthen the operation risk management of TY commercial bank on the basis of internal control environment, culture, internal control organization and so on.The sixth part is the conclusion of the thesis.This part summarizes the conclusions and shortcomings of this paper.Based on the practice of Chongqing TY Commercial Bank, this study analyzes the problems in operational risk management, identifies and evaluates the sources and components of its operational risk.The specific measures to improve operational risk management based on internal control are put forward.In the course of the research, a great deal of raw and second-hand data are collected, and the theory and practice are combined with each other.
【学位授予单位】：重庆理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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