PL农村商业银行操作风险管理研究

发布时间：2018-04-25 07:14

本文选题：农村商业银行 + 操作风险　；参考：《西安理工大学》2017年硕士论文

【摘要】：近年来,银行业金融机构的业务范围越来越宽、资产规模也越来越大,农村商业银行作为农村地方金融机构也不例外,但随着而来的是其所面临的操作风险也在增大。《巴塞尔新资本协议》的出台,再次引起银行业对操作风险的重视和关注,同时也提高了操作风险的管理要求。农村商业银行由农信社改制而来,基础管理、机制构建等方面“先天不足”,操作风险管理的形式较国有商业银行、股份制银行更为严峻。本文以实际应用为目的,将笔者所在单位作为研究对象,对PL农村商业银行的操作风险管理的识别、评估与控制进行了分析和研究。首先在对相关研究和操作风险的基本概念进行了总结;通过数量化分析、实例例举阐述了PL农村商业银行的操作风险管理现状,理清了问题及其成因;结合PL农村商业银行实际,借鉴并使用操作风险与控制识别评估(RCSA)的方法对PL农村商业银行的操作风险进行了识别与评估;然后从体系建设、风险监测及计量、识别预评估和风险报告四个方面提出了操作风险控制策略以及实现这一系列措施的保障措施,以确保风险防控目标的实现。
[Abstract]:In recent years, the scope of business of banking financial institutions has become wider and wider, and the scale of assets has become larger and larger. Rural commercial banks, as rural local financial institutions, are no exception. However, the operational risk it faces is also increasing. The introduction of Basel New Capital Accord has once again aroused the attention and attention of the banking industry to the operational risk, and has also raised the management requirements of the operational risk. Rural commercial banks come from the reform of rural credit cooperatives, such as basic management, mechanism construction and so on. The form of operational risk management is more severe than that of state-owned commercial banks and joint-stock banks. For the purpose of practical application, this paper analyzes and studies the identification, evaluation and control of the operational risk management of PL rural commercial banks. First of all, it summarizes the basic concepts of relevant research and operational risk, through quantitative analysis, an example illustrates the current situation of operational risk management in PL rural commercial banks, and clarifies the problems and their causes. Combined with the practice of PL rural commercial bank, the paper identifies and evaluates the operational risk of PL rural commercial bank by using the method of operational risk and control identification and evaluation (RCSAA), and then makes use of system construction, risk monitoring and measurement. In order to ensure the realization of the goal of risk prevention and control, the operational risk control strategy and the safeguard measures to achieve this series of measures are put forward in the four aspects of identifying pre-evaluation and risk reporting.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

【参考文献】