商业银行柜面操作风险防范研究

发布时间：2018-05-28 04:02

  本文选题：柜面业务 + 商业银行　； 参考：《对外经济贸易大学》2017年硕士论文

【摘要】：近年来,随着我国GDP增速趋缓,经济发展进入新常态,商业银行高速发展和高盈利的时代基本已成为过去式,新的发展环境将更加复杂,商业银行面临的风险也将更加严峻。由于内控机制不健全等而引发的金融风险案件频频曝光,据不完全统计,过去一年时间里就有30多起巨额存款诈骗案件,涉案金额60多亿,涉及全国各地各类型商业银行。透过这些案件背后,我们都可以看到不仅有外部欺诈的原因,更重要的是银行内控制度缺陷和银行员工参与其中,在银行员工和不法分子的勾结之下,储户资金在存入银行的同时就立刻被转到其他账户上。案件的发生让储户和银行都蒙受巨额资金损失,也给银行声誉造成了巨大负面影响。长久以来,我们都比较多的关注银行业的信用风险和市场风险,对这类风险研究比较多,而相对较少关注操作风险,尤其是对银行柜面业务操作风险的相关研究寥寥无几。由此可见,在管控柜面业务操作风险方面,我们的认识和研究还有待提高。本文在分析商业银行柜面操作风险管理理论基础上,通过对A银行柜面操作风险的案例展开详细地研究,针对当前A银行柜面操作风险的实际情况实施分析,找出造成这些风险背后的原因,并相应提出A银行柜面操作风险防控的对策建议,希望能够在商业银行柜面操作风险防控方面提出有价值的启示,从而比较全面的提高商业银行柜面操作风险防控能力。
[Abstract]:In recent years, with the slow growth of GDP in China, the economic development has entered a new normal, the era of high speed development and high profit of commercial banks has basically become a thing of the past, the new development environment will be more complex, and the risks faced by commercial banks will be more severe. Financial risk cases caused by imperfect internal control mechanisms are frequently exposed. According to incomplete statistics, in the past year there have been more than 30 huge deposit fraud cases involving more than 6 billion, involving various types of commercial banks throughout the country. Through these cases, we can all see that there are not only the reasons for external fraud, but also the defects in the internal control system of banks and the participation of bank staff in them, under the collusion of bank employees and lawbreakers. Depositors are transferred to other accounts immediately as they are deposited in the bank. The case caused depositors and banks to suffer huge financial losses, but also a huge negative impact on the reputation of banks. For a long time, we have paid more attention to the credit risk and market risk of the banking industry. There are more researches on this kind of risk, but less on the operational risk, especially on the operational risk of the bank counter business. Thus, in the management of counter business operational risks, our understanding and research needs to be improved. Based on the analysis of the theory of the operational risk of the counter in commercial banks, this paper analyzes the actual situation of the operational risk of the counter in Bank A through the detailed study of the case of the operational risk of the counter in Bank A. To find out the reasons behind these risks, and put forward corresponding countermeasures and suggestions for the prevention and control of bank A's counter operational risks, hoping to be able to put forward valuable inspiration in the aspect of preventing and controlling the operational risks of commercial banks. Thus more comprehensive improvement of commercial banks counter-counter operation risk prevention and control ability.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
，

本文编号：1945179