X银行票据业务风险管理的研究

发布时间：2018-05-15 22:12

本文选题：X银行 + 票据业务　；参考：《宁波大学》2017年硕士论文

【摘要】：近年来,票据业务得到了快速发展,从票据业务量来看,交易金额稳步增长,一方面2014年的实证数据研究得出,实体经济制约着票据业务的发展,票据业务同时也促进着实体经济的发展,二者的相关系数不小于0.8;另一方面根据《中国货币政策执行报告》可以看出,从2005年到2015年,票据承兑金额从4.45万亿增长到22.4万亿,票据贴现和转贴现金额从6.75万亿增长到102.1万亿。笔者在本文中将采用数据分析法,结合X银行实际情况,将业务规模、业务周期、操作流程、风险预警四个方面作为票据业务的风险的主要影响因素,研究分析该行的票据业务的风险特征,从中找出这四个影响因素与风险发生的相关性,归纳总结出这四个影响因素对票据业务风险的影响现状,最后从制度改善、风险影响因素管理等方面提出风险管理的改进策略,对解决该行目前票据业务发展中仍存在的各种风险问题具有一定的参考意义。另外,作者从自身工作实践出发,通过分析研究X银行票据业务的风险管理的现状,结合X银行票据业务交易的实际过程中可能存在的四种风险影响因素提出对应的风险管理的改进策略,这为X银行进一步改进票据业务交易过程中的实际的风险管理工作提供一定的参考价值。
[Abstract]:In recent years, the bill business has developed rapidly, and the transaction amount has increased steadily from the point of view of the bill business volume. On the one hand, the empirical data study in 2014 shows that the real economy restricts the development of the bill business. The bill business also promotes the development of the real economy, and the correlation coefficient between the two is not less than 0.8. On the other hand, according to the China Monetary Policy implementation report, from 2005 to 2015, the bill acceptance amount increased from 4.45 trillion to 22.4 trillion. The amount of discounted and reposted notes increased from 6.75 trillion to 102.1 trillion. In this paper, the author will adopt the data analysis method, combined with the actual situation of X bank, take the business scale, business cycle, operation process, risk warning as the main influencing factors of the risk of bill business. This paper studies and analyzes the risk characteristics of the bank's bill business, finds out the correlation between the four influencing factors and the risk occurrence, sums up the current situation of the four influencing factors' influence on the bill business risk, and finally improves the system from the point of view of system improvement. The improvement strategies of risk management are put forward in the aspects of risk influencing factors management, which has certain reference significance for solving the various risk problems that still exist in the development of the bank's bill business at present. In addition, the author proceeds from his own work practice, through the analysis and research X bank bill business risk management present situation, Combining with the four kinds of risk influencing factors that may exist in the actual process of X bank bill business transaction, the corresponding risk management improvement strategies are put forward. This provides a certain reference value for X Bank to further improve the actual risk management in the process of bill trading.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

【参考文献】