宁夏银行柜面业务操作风险管理研究

发布时间：2018-03-01 09:26

本文关键词： 商业银行柜面业务操作风险风险管理宁夏银行　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：柜面业务是我国银行业最基础的业务,也最容易出现操作风险。在商业银行的日常经营活动中,柜面业务操作风险是基层机构面临的主要风险之一。从近几年发生在商业银行的操作风险案例来看,涉及柜面业务操作的案件占比高达70%以上。据中国银监会统计,百万元以上风险案例中,有90%发生在支行及营业网点的柜面上。可见,柜面作为银行案件的主要发案点,对其相关业务的操作风险防范已成为政府监管部门和商业银行的重要工作。可以说,柜面业务所产生的各类差错、法律纠纷和经济案件,不仅给相关银行带来管理压力和经济损失,还严重损害了银行的信誉,阻碍了商业银行的正常经营和发展。只有有效降低柜面业务操作风险的发生,才能从根本上规避经济损失,进而促进健康和可持续发展。因此,如何更为有效地控制柜面业务操作风险,已成为现代商业银行面临的一个普遍问题。宁夏银行作为一家地方性的股份制城市商业银行,近几年虽进一步强化了对信用风险、市场风险和操作风险的管理和控制,但对于柜面业务操作风险的控制和管理依然较为薄弱,由此带来的风险事件屡屡发生,对自身的经营管理、效益以及声誉都造成了较大的影响,因此迫切需求探索新的管理模式和方法。目前,宁夏银行正处于经营转型的重要阶段,重视操作风险管理,尤其柜面会计业务操作风险是加强内控管理、提升经营能力、加快网点转型的必然选择,也是增强竞争实力,应对“互联网+”挑战,实现科学发展的根本途径。本文旨在通过对宁夏银行柜面业务经营管理现状进行客观分析,指出存在的问题和产生的原因,提出科学管理的策略和建议。希望能够为宁夏银行提升柜面业务操作风险管理提供科学的策略建议和参考。
[Abstract]:Counter business is the most basic business in China's banking industry, and it is also the most prone to operational risks. In the daily business activities of commercial banks, The operational risk of counter business is one of the main risks faced by grass-roots organizations. Judging from the operational risk cases of commercial banks in recent years, the proportion of cases involving counter business operations is as high as 70%. According to the statistics of the China Banking Regulatory Commission, Of the risk cases of more than one million yuan, 90% occurred on the counter of the branches and business outlets. It can be seen that the counter is the main point of origin of bank cases. It has become an important task for government regulators and commercial banks to guard against operational risks in their related business. It can be said that all kinds of errors, legal disputes and economic cases arising from counter business, It not only brings the management pressure and economic loss to the relevant banks, but also seriously damages the credibility of the banks, hinders the normal operation and development of the commercial banks. In order to avoid the economic loss fundamentally and promote healthy and sustainable development, therefore, how to control the operational risk of counter business more effectively, Ningxia Bank, as a local joint-stock city commercial bank, has strengthened the management and control of credit risk, market risk and operational risk in recent years. However, the control and management of the operational risk of the counter business is still relatively weak, and the risk events brought about by it frequently occur, which have a great impact on their own management, efficiency and reputation. Therefore, there is an urgent need to explore new management models and methods. At present, Ningxia Bank is in an important stage of business transformation, and attaches great importance to operational risk management, especially the operational risk of counter accounting business is to strengthen internal control management and enhance management capacity. The inevitable choice of speeding up the transformation of the network is also the fundamental way to enhance the competitive strength, meet the challenge of "Internet" and realize the scientific development. This paper aims to objectively analyze the present situation of the management of Ningxia Bank's counter business. This paper points out the existing problems and causes, puts forward the strategies and suggestions of scientific management, and hopes to provide scientific suggestions and references for Ningxia Bank to enhance the operational risk management of counter business.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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