中国邮政储蓄银行个人金融业务操作风险控制研究

发布时间：2018-04-26 23:11

本文选题：个人金融业务 + 操作风险防控　；参考：《山东大学》2017年硕士论文

【摘要】：虽然科技不断发展,金融产品不断创新,但个人金融业务作为商业银行的基石,始终有着重要的角色,它是服务于社会大众的基础业务,随着产品种类的扩大,个人金融业务操作风险也逐渐显现,银行对其监管力度在国际国内都逐步达成共识。虽然,中国银监会也逐渐出台了一系列金融操作风险类文件,但是,与现行的个人金融风险现状相比,我国的风险防控工作还不成熟,尚未形成操作风险管理的系统管控,操作风险案件频繁发生。本文从系统、流程、人员、外部等因素阐述了个人金融业务操作风险形成机理;分析了中国邮政储蓄银行个人金融业务操作风险的防控现状,其存在的主要问题有:个人金融业务操作风险管理体制不完善、人为因素、业务条线分立风险控制力弱、系统基础设施不完善、外部环境危害、操作风险分析欠缺、资本配置不足等:阐述了汇丰银行、美国商业银行等国际先进商业银行的个人金融业务操作风险防控经验及启示;结论是通过尝试性地探索中国邮政储蓄银行个人金融业务操作风险评估和监测方法,设计个人金融业务操作风险关键风险指标、监测指标;建立健全个人金融业务操作风险防控系统、完善个人金融业务操作风险信息披露制度、完善个人金融业务操作风险防控的制度及流程、强化员工的培训与考核等方面,降低中国邮政储蓄银行个人金融业务操作风险发生率。
[Abstract]:Although the development of science and technology and the continuous innovation of financial products, as the cornerstone of commercial banks, personal financial business has always played an important role. It is the basic business to serve the public. With the expansion of product types, The operational risk of personal financial business is also gradually emerging, and banks have gradually reached a consensus on their supervision efforts at home and abroad. Although the China Banking Regulatory Commission has gradually issued a series of financial operational risk documents, compared with the current situation of individual financial risks, the risk prevention and control work in China is not yet mature, and no systematic control of operational risk management has yet been formed. Operational risk cases occur frequently. This paper expounds the formation mechanism of operational risk of personal financial business from system, process, personnel, external factors, and analyzes the current situation of prevention and control of operational risk of personal financial business of China Post savings Bank. The main problems are as follows: the operational risk management system of personal financial business is not perfect, human factors, business line separation risk control power is weak, the system infrastructure is not perfect, the external environment harm, the operational risk analysis is deficient. Insufficient allocation of capital: expound the experience and inspiration of personal financial operation risk prevention and control of international advanced commercial banks such as HSBC, American commercial bank and so on; The conclusion is to design the key risk index and monitoring index of personal financial operation risk by exploring the risk assessment and monitoring method of personal financial operation of China Post savings Bank. Establish and improve the personal financial operation risk prevention and control system, perfect the individual financial operation risk information disclosure system, perfect the personal financial operation risk prevention and control system and process, strengthen the staff training and assessment, etc. Reduce the China Post savings Bank personal financial operation risk rate.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

【相似文献】