C银行信用卡资产保全中的操作风险研究
发布时间：2018-12-29 17:48
【摘要】：20世纪90年代以来,在金融全球化、金融自由化、技术革新、产品创新以及放松监管等因素的影响下,国内外银行业面临着日益严重的操作风险,如何加强操作风险管理,成为后金融危机时期银行业风险管理中面临的重要挑战。本文在巴塞尔监督管理委员会的相关规定以及我国颁布的各项操作风险相关制度为理论根源,通过对国内外文献分析、对国内外学者提出的理论的整合,解析我国商业银行信用卡资产保全业务中的相关操作风险点以及产生的原因。同时,结合C银行信用卡中心操作风险管理模式、管理流程、管理效果,展开相关研究。通过对C银行信用卡资产保全业务操作流程和主要风险节点;提出C银行信用中心及资产保全业务中操作风险管理中的薄弱环节,并分析其操作风险产生的根本原因。研究发现,C银行信用卡中心只有在资产保全业务全流程中的每个环节进行风险把控,并对操作风险管理流程中的风险识别、风险评估、风险监测、风险报告的每一个环节进行优化,才能系统、科学地开展操作风险管理工作,从而更好地防控操作风险。所以,本文以C银行信用卡资产保全业务全流程为例,通过文献查阅法、实践调研法、定性分析法及案例分析法,从建立良好的操作风险软环境,操作风险识别与评估、操作风险管理的信控制与缓释、加强操作风险管理的监督与报告这四个方面,提出了构建操作风险全流程控制的可行性建议。希望对我商业银行信用卡资产保全业务中的操作风险管理提供一定的理论和现实意义。
[Abstract]:Since 1990s, under the influence of financial globalization, financial liberalization, technological innovation, product innovation and deregulation, the domestic and foreign banks are facing increasingly serious operational risks. It has become an important challenge in banking risk management in the post-financial crisis period. Based on the relevant regulations of the Basel Committee of Supervision and Management and the operational risk related systems promulgated by our country, this paper analyzes the literature at home and abroad, and integrates the theories put forward by domestic and foreign scholars. This paper analyzes the operational risk points and causes of credit card asset preservation in Chinese commercial banks. At the same time, combining C bank credit card center operation risk management mode, management process, management effect, the related research. By analyzing the operation flow and main risk nodes of credit card asset preservation business of C Bank, the weak links in operation risk management in C bank credit center and asset preservation business are put forward, and the fundamental causes of operation risk are analyzed. The study found that the credit card center of Bank C only carries out risk control in every link of the whole process of asset preservation, and identifies, evaluates and monitors the risk in the operational risk management process. Only by optimizing every link of risk report, can the operation risk management be carried out scientifically, so as to prevent and control the operational risk better. Therefore, this paper takes C bank credit card asset preservation business as an example, through literature review, practice investigation, qualitative analysis and case analysis, from the establishment of a good operating risk soft environment, operational risk identification and evaluation, Based on the four aspects of information control and slow release of operational risk management and strengthening the supervision and reporting of operational risk management, the paper puts forward some feasible suggestions for constructing the whole process control of operational risk. Hope to provide certain theoretical and practical significance for the operation risk management in the credit card asset preservation business of our commercial bank.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
本文编号：2395164
[Abstract]:Since 1990s, under the influence of financial globalization, financial liberalization, technological innovation, product innovation and deregulation, the domestic and foreign banks are facing increasingly serious operational risks. It has become an important challenge in banking risk management in the post-financial crisis period. Based on the relevant regulations of the Basel Committee of Supervision and Management and the operational risk related systems promulgated by our country, this paper analyzes the literature at home and abroad, and integrates the theories put forward by domestic and foreign scholars. This paper analyzes the operational risk points and causes of credit card asset preservation in Chinese commercial banks. At the same time, combining C bank credit card center operation risk management mode, management process, management effect, the related research. By analyzing the operation flow and main risk nodes of credit card asset preservation business of C Bank, the weak links in operation risk management in C bank credit center and asset preservation business are put forward, and the fundamental causes of operation risk are analyzed. The study found that the credit card center of Bank C only carries out risk control in every link of the whole process of asset preservation, and identifies, evaluates and monitors the risk in the operational risk management process. Only by optimizing every link of risk report, can the operation risk management be carried out scientifically, so as to prevent and control the operational risk better. Therefore, this paper takes C bank credit card asset preservation business as an example, through literature review, practice investigation, qualitative analysis and case analysis, from the establishment of a good operating risk soft environment, operational risk identification and evaluation, Based on the four aspects of information control and slow release of operational risk management and strengthening the supervision and reporting of operational risk management, the paper puts forward some feasible suggestions for constructing the whole process control of operational risk. Hope to provide certain theoretical and practical significance for the operation risk management in the credit card asset preservation business of our commercial bank.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
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