建设银行A分行财务风险管理研究

发布时间：2018-06-02 12:16

本文选题：建设银行A分行 + 财务风险　；参考：《吉林财经大学》2017年硕士论文

【摘要】：商业银行是典型的高风险机构,这是由于其既具有一般企业所具有的经营风险,又有着金融企业特有的风险,而其中的财务风险是银行面对的主要风险。因为一旦银行业的财务出现问题,会波及到整个金融业,严重时将会影响到整个社会经济的良性发展。银行业对金融业的重大影响是本文将银行财务风险管理作为研究对象的重要原因。尽管近几十年来银行将财务风险管理作为其管理的核心问题,在财务风险管理方面取得明显成效,但是对银行财务风险问题仍缺乏有效的防范意识和控制措施,银行破产案件仍然时有发生。本文研究对象定为建设银行A分行,从分析选题背景及意义入手,介绍国内外对于财务风险及财务风险管理的研究现状。对建设银行A分行的财务风险进行识别,划分为政策导向引发的坏账风险、资产负债结构问题引发的资金流动性风险、利率变动引发的收益波动风险、财务及决策人员过失引发的投融资风险四个方面。进一步研究其财务风险管理现状,分析其财务风险管理中存在的问题,进而提出针对于建设银行A分行加强财务风险管理的建议。针对建设银行A分行加强财务风险管理,提出以下几方面措施:第一完善财务风险管理制度,第二规范银行信息披露机制,第三建立有效的风险预警系统,第四加强银行的内部审计,第五完善利率变动风险管理方法,第六培养行员先进的风险管理意识,第七建立完善的约束激励机制。同时提出实施措施的环境保障。
[Abstract]:Commercial bank is a typical high risk institution, because it has not only the management risk of general enterprise, but also the special risk of financial enterprise, and the financial risk is the main risk faced by the bank. Because once the banking financial problems, will affect the entire financial sector, serious will affect the whole social and economic development. The great influence of banking on the financial industry is the important reason for this paper to take the financial risk management of banks as the object of study. Although banks have taken financial risk management as the core of their management in recent decades and achieved remarkable results in financial risk management, there is still a lack of effective awareness and control measures to prevent and control financial risks in banks. Bank failures still occur from time to time. The research object of this paper is China Construction Bank A Branch, starting with the analysis of the background and significance of the selected topic, introduces the domestic and foreign research status of financial risk and financial risk management. The financial risk of China Construction Bank A Branch is identified, which is divided into bad debts risk caused by policy guidance, capital liquidity risk caused by asset-liability structure problem, income fluctuation risk caused by interest rate change. There are four aspects of investment and financing risk caused by the negligence of finance and decision-makers. This paper further studies the present situation of financial risk management, analyzes the existing problems in financial risk management, and puts forward some suggestions for strengthening financial risk management in A Branch of China Construction Bank. In view of strengthening financial risk management in Branch A of China Construction Bank, the following measures are put forward: first, perfecting financial risk management system; second, standardizing the mechanism of bank information disclosure; thirdly, establishing an effective risk warning system. The fourth is to strengthen the internal audit of the bank, the fifth is to perfect the risk management method of interest rate change, the sixth is to train the advanced risk management consciousness of the bank members, and the seventh is to establish the perfect restraint incentive mechanism. At the same time, put forward the implementation of environmental protection measures.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F830.42;F832.33

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