浙商银行沈阳分行资金业务风险管理改进研究
发布时间：2018-08-15 11:53
【摘要】：在经济新常态下,我国银行业的发展有着独特的特点和特征,银行业发展增速渐缓,且面临着实现结构转型以及多元化发展的转变,银行资金业务的发展与管理成为了商业银行转型的一个重点。我国资金业务在经历过起步阶段、迅速发展以及发展大浪潮后,资金业务不断发展和金融创新不断增多,给银行业带来了新的挑战,即银行业在关注业务发展和经营的同时,也必须注重对风险的管控。如何在复杂多变的经济形式和金融市场趋势下做好资金业务的同时规避可能遇到的市场、信用、流动性等各方面的风险,实行好风险管控是各商业银行需要重点考虑的难题。浙商银行以小企业业务和银行投资业务为重点特色发展业务,其资金业务在一定程度上虽有竞争力但仍存在些许不足。浙商银行沈阳分行的资金业务的主要包含了债券、同业业务和外汇业务,在总行的资金管理要求下,沈阳分行也有自己的资金业务管理细则,同时也面临着相关的风险和风险管理难题。对浙商银行沈阳分行资金业务的风险管理进行研究具有一定的意义和价值。本文以浙商银行沈阳分行为研究对象,结合与银行资金业务相关的的风险管理理论和国内外相关的研究基础,对浙商银行沈阳分行的资金业务风险管理展开研究。基于本文的选题依据,文章首先对本研究的研究背景与意义、研究方法与内容、研究开展的理论基础和国内外相关的文献综述进行了说明,在此之后对本研究的主体部分进行了有顺序的论述。全文主体部分主要包括三方面的内容。第一部分,对浙商银行沈阳分行资金业务、资金业务的风险管理进行现状介绍和分析,发现浙商银行沈阳分行的资金业务风险管理中存在的问题,即严重的利率风险、信用风险的把控不到位、面临着潜在的兑付风险和流动性冲击以及易引发操作风险,并对其成因进行深入分析,发现资金业务风险管理问题的成因是利率风险管理能力不足、信用风险防控能力不足、缺乏有效合理的流动性风险管理以及日常管理机制缺失。第二部分,对浙商银行沈阳分行的风险管理提出改进建议,发现可以从四个方面进行努力,分别是强化利率风险管理能力、提升信用风险防控能力、提高流动性风险防范能力和加强操作风险应对能力。第三部分,为了保证该改进方案和措施的具体实施,从组织、制度、人员和技术等方面提供了实施保障措施。本研究试图为浙商银行沈阳分行资金业务的风险管理提出一个可行的、合理的和可持续的符合全面风险管理要求的风险管理改进意见,从而方便银行制定有效的资金业务的风险管理措施并切实实施,为银行资金业务的发展、整体经营以及竞争力的获得提供了保障。
[Abstract]:Under the new normal state of economy, the development of China's banking industry has its unique characteristics and characteristics. The growth rate of the banking industry is slowing down, and the banking industry is faced with the transformation of structural transformation and diversified development. The development and management of bank capital business has become a key point in the transformation of commercial banks. The capital business in our country has experienced the initial stage, the rapid development and the development big tide, the fund business development and the finance innovation unceasingly increased, has brought the new challenge to the banking industry, namely the banking industry is paying close attention to the business development and the management simultaneously, Attention must also be paid to risk management. How to do the capital business well under the complicated and changeable economic form and the financial market trend, and how to avoid the risks of the market, credit, liquidity and so on, and how to implement the risk control are the key problems for commercial banks to consider. The bank of Zhejiang Province develops its business with the characteristics of small business and bank investment business. To some extent, its capital business is competitive, but it still has some shortcomings. The capital business of the Shenyang branch of Zhejiang Business Bank mainly includes bonds, interbank business and foreign exchange business. Under the capital management requirements of the head Office, the Shenyang Branch also has its own detailed rules for the management of its capital business. At the same time, it also faces the related risk and risk management problems. It is of great significance and value to study the risk management of the capital business of Zhejiang Commercial Bank Shenyang Branch. This paper takes the Shenyang Branch of Zhejiang Commercial Bank as the research object, combines the risk management theory related to the bank capital business and the domestic and foreign related research foundation, carries out the research on the risk management of the capital business of the Shenyang branch of Zhejiang Commercial Bank. Based on the basis of this thesis, the paper firstly explains the research background and significance, the research methods and contents, the theoretical basis of the research and the literature review at home and abroad. After this, the main part of this study is discussed in order. The main part of the paper mainly includes three aspects. The first part introduces and analyzes the present situation of the capital business and the risk management of the capital business in the Shenyang Branch of Zhejiang Business Bank, and finds out the problems existing in the risk management of the capital business of the Shenyang Branch of Zhejiang Business Bank, that is, the serious interest rate risk. If the credit risk is not controlled properly, it is faced with potential payment risk, liquidity shock and easy to cause operational risk. It is found that the cause of fund business risk management is insufficient interest rate risk management ability. The credit risk prevention and control ability is insufficient, the effective and reasonable liquidity risk management and the daily management mechanism are lacking. In the second part, some suggestions are put forward to improve the risk management of Zhejiang Commercial Bank Shenyang Branch. It is found that we can make efforts in four aspects, namely, strengthening the ability of interest rate risk management and enhancing the ability of credit risk prevention and control. Improve liquidity risk prevention ability and strengthen operational risk response ability. The third part, in order to ensure the implementation of the improvement program and measures, from the organizational, institutional, personnel and technical aspects of the implementation of security measures. This study attempts to put forward a feasible, reasonable and sustainable suggestion for the risk management of the capital business of Zhejiang Commercial Bank Shenyang Branch, which meets the requirements of overall risk management. Therefore, it is convenient for banks to formulate effective risk management measures for capital business and implement them effectively, thus providing guarantee for the development of bank capital business, the overall management and the acquisition of competitiveness.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33
本文编号：2184119
[Abstract]:Under the new normal state of economy, the development of China's banking industry has its unique characteristics and characteristics. The growth rate of the banking industry is slowing down, and the banking industry is faced with the transformation of structural transformation and diversified development. The development and management of bank capital business has become a key point in the transformation of commercial banks. The capital business in our country has experienced the initial stage, the rapid development and the development big tide, the fund business development and the finance innovation unceasingly increased, has brought the new challenge to the banking industry, namely the banking industry is paying close attention to the business development and the management simultaneously, Attention must also be paid to risk management. How to do the capital business well under the complicated and changeable economic form and the financial market trend, and how to avoid the risks of the market, credit, liquidity and so on, and how to implement the risk control are the key problems for commercial banks to consider. The bank of Zhejiang Province develops its business with the characteristics of small business and bank investment business. To some extent, its capital business is competitive, but it still has some shortcomings. The capital business of the Shenyang branch of Zhejiang Business Bank mainly includes bonds, interbank business and foreign exchange business. Under the capital management requirements of the head Office, the Shenyang Branch also has its own detailed rules for the management of its capital business. At the same time, it also faces the related risk and risk management problems. It is of great significance and value to study the risk management of the capital business of Zhejiang Commercial Bank Shenyang Branch. This paper takes the Shenyang Branch of Zhejiang Commercial Bank as the research object, combines the risk management theory related to the bank capital business and the domestic and foreign related research foundation, carries out the research on the risk management of the capital business of the Shenyang branch of Zhejiang Commercial Bank. Based on the basis of this thesis, the paper firstly explains the research background and significance, the research methods and contents, the theoretical basis of the research and the literature review at home and abroad. After this, the main part of this study is discussed in order. The main part of the paper mainly includes three aspects. The first part introduces and analyzes the present situation of the capital business and the risk management of the capital business in the Shenyang Branch of Zhejiang Business Bank, and finds out the problems existing in the risk management of the capital business of the Shenyang Branch of Zhejiang Business Bank, that is, the serious interest rate risk. If the credit risk is not controlled properly, it is faced with potential payment risk, liquidity shock and easy to cause operational risk. It is found that the cause of fund business risk management is insufficient interest rate risk management ability. The credit risk prevention and control ability is insufficient, the effective and reasonable liquidity risk management and the daily management mechanism are lacking. In the second part, some suggestions are put forward to improve the risk management of Zhejiang Commercial Bank Shenyang Branch. It is found that we can make efforts in four aspects, namely, strengthening the ability of interest rate risk management and enhancing the ability of credit risk prevention and control. Improve liquidity risk prevention ability and strengthen operational risk response ability. The third part, in order to ensure the implementation of the improvement program and measures, from the organizational, institutional, personnel and technical aspects of the implementation of security measures. This study attempts to put forward a feasible, reasonable and sustainable suggestion for the risk management of the capital business of Zhejiang Commercial Bank Shenyang Branch, which meets the requirements of overall risk management. Therefore, it is convenient for banks to formulate effective risk management measures for capital business and implement them effectively, thus providing guarantee for the development of bank capital business, the overall management and the acquisition of competitiveness.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33
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