新常态下交通银行J省分行营运操作风险管理研究

发布时间：2018-10-07 19:54

【摘要】：随着我国经济金融步入新常态,金融创新步伐和金融自由化改革进程日益加快,信息技术广泛应用,“互联网”、“物联网”全方位影响着商业银行的经营模式,银行业竞争日趋激烈。商业银行业务模式和经营模式的变化促使其不断推出新产品、新业务,增加了商业银行营运的复杂程度和营运操作风险防控要求。同时,近年来在全球范围内屡屡发生的操作风险事件给商业银行造成了巨大损失。如何防范商业银行操作风险,增强商业银行操作风险控制能力,降低商业银行操作风险损失,已成为我国银行业监管机构和商业银行共同关注和研究的重要课题。因此,研究这一问题具有一定的研究应用价值。本文选择营运操作风险这一商业银行操作风险细分领域,因为营运条线是商业银行经营发展的基础保障部门,营运操作风险管理工作是商业银行操作风险管理和内部控制机制的重要组成部分。在商业银行的转型发展中,面对营运操作风险的固有特征和新型营运操作风险种类,如何加强营运操作风险管理,已经成为当前商业银行操作风险管理体系建设中亟待解决和研究的课题。本文在结构上共分5章。其中,第1章为导论;第2章为新常态与商业银行营运操作风险概述;第3章为交通银行J省分行营运操作风险管理现状;第4章为完善交通银行J省分行营运操作风险管理的对策建议;第5章为结论与展望。为了更好地研究分析目前我国商业银行营运操作风险管理存在的问题,本文以笔者所在的交通银行J省分行为例,结合新常态下新型营运操作风险种类、交通银行J省分行营运操作风险管理现状及其典型案例,指出其存在的问题,在对这些问题进行剖析的基础上提出完善措施。
[Abstract]:With China's economy and finance stepping into the new normal, the pace of financial innovation and the process of financial liberalization reform are speeding up day by day. The extensive application of information technology, the "Internet of things" and "Internet of things" all affect the business model of commercial banks. Competition in the banking industry is becoming increasingly fierce. The change of business model and management mode of commercial bank urges it to introduce new products and new business constantly, which increases the complexity of commercial bank operation and the requirement of operation risk prevention and control. At the same time, in recent years, the operational risk events occurred all over the world have caused huge losses to commercial banks. How to prevent the operational risk of commercial banks, enhance the ability of operational risk control of commercial banks, and reduce the loss of operational risks of commercial banks has become an important issue that our banking regulators and commercial banks pay attention to and study together. Therefore, the study of this problem has a certain value of research and application. This paper chooses the operational risk of commercial banks as the subdivision area of operational risk, because the line of operation is the basic guarantee department for the development of commercial banks. Operational risk management is an important part of operational risk management and internal control mechanism of commercial banks. In the development of commercial banks, how to strengthen the management of operational risks in the face of the inherent characteristics of operational risks and new types of operational risks, It has become an urgent and research topic in the construction of operational risk management system of commercial banks. The structure of this paper is divided into five chapters. The first chapter is the introduction, the second chapter is the overview of the operational risk of the new normal and commercial banks, the third chapter is the current situation of operational risk management of the J branch of Bank of Communications. The fourth chapter is the countermeasures and suggestions to improve the operational risk management of Bank of Communications Branch J, and the fifth chapter is the conclusion and prospect. In order to better study and analyze the problems existing in the operational risk management of commercial banks in our country at present, this paper takes J Provincial Branch of Bank of Communications as an example, combined with the new type of operational risk in the new normal. The present situation and typical cases of operational risk management in J Branch of Bank of Communications are pointed out, and the existing problems are pointed out. Based on the analysis of these problems, the improvement measures are put forward.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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