法兴银行哈尔滨分行风险管理研究

发布时间：2018-01-20 14:21

本文关键词： 银行管理风险管理体系优化改进　出处：《哈尔滨理工大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着全球经济一体化的加速,银行也承受着前所未有的新型挑战。作为金融产业的组成部分“银行”在世界经济发展、变革、更新的各个阶段起着至关重要的推动作用,同时也是世界各国政府、国家机关对宏观经济调控的重要执行部门。面对不稳定的市场形势和日益激烈的行业竞争,银行的风险管理也就成为银行管理中的最为重要的风险防控工作内容。金融危机、次贷危机等事件的发生,又一次对银行风险管理水平,风险防控手段的检验。如何识别银行风险、如何提高银行风险防控的手段、如何化解银行风险等问题,是一个恒久重要课题。无论是国外的专家还是我国的学者,无论是管理者还是运营者,在银行风险管理的领域当中都在不断地创新、不断地完善银行风险管理的标准、理论和方法。高度认识风险管理的重要性,完善风险管理理念和机制、强化风险管理的意识,才能使得银行在不稳定的金融环境和激烈的竞争当中可持续的生存和发展。本文以法兴银行哈尔滨分行为研究对象,首先对论文研究背景、研究的目的及意义、国内外银行风险管理的研究现状等进行了综述。其次,介绍法兴集团、法兴中国及法兴银行哈尔滨分行风险管理的历史,结合法兴银行哈尔滨分行现状来分析风险源,并通过内部风险源和外部风险源的识别,逐层深入分析法兴银行哈尔滨分行风险管理进程当中存在的问题,对法兴银行哈尔滨分行面临的风险点深度剖析。第三,根据法兴银行哈尔滨分行风险管理的文化特征和风险管理现状,量身定制法兴银行哈尔滨分行风险管理体系,运用指标设定完成风险管理评级,从而全面认识法兴银行哈尔滨分行的风险等级。第四,为了进一步的防范风险,运用Logit模型构建预警模型,并对此模型进行检验。最后,结合上述研究结果,改善银行风险管理的银行内部控制制度和外部方法手段、化解银行风险。构建法兴银行全球性的风险管理文化、调整风险管理组织结构,可以提供合理有效的手段给到法兴银行哈尔滨分行。从而找到一条加强、改进和管理银行风险,能帮助法兴银行哈尔滨分行应对国际银行业的激烈竞争,从而形成银行自身的核心竞争力。
[Abstract]:With the acceleration of global economic integration, banks are also facing unprecedented new challenges. As a component of the financial industry, "banks" are developing and changing in the world economy. The renewal of each stage plays a vital role in promoting, at the same time, it is also an important executive department of the governments and state organs of the world to macro-economic regulation and control. Facing the unstable market situation and increasingly fierce industry competition. The risk management of banks has become the most important content of risk prevention and control in bank management. The occurrence of financial crisis, subprime crisis and other events, once again, the level of risk management of banks. How to identify the bank risk, how to improve the bank risk prevention and control means, how to resolve the bank risk and so on. Both foreign experts and Chinese scholars, whether managers or operators, are constantly innovating in the field of bank risk management. Constantly improve the bank risk management standards, theories and methods, highly understand the importance of risk management, improve the concept and mechanism of risk management, strengthen the awareness of risk management. In order to make the bank in the unstable financial environment and fierce competition in the sustainable survival and development. This paper takes Faxing Bank Harbin Branch as the research object, first of all, the research background, the purpose and significance of the study. The current situation of risk management in banks at home and abroad is reviewed. Secondly, the history of risk management in Faxing Group, Faxing China and Harbin Branch of Faxing Bank is introduced. Combined with the current situation of Harbin Branch of Faxing Bank to analyze the risk sources, and through the identification of internal and external risk sources, in-depth analysis of the existing problems in the process of risk management of Harbin Branch of Faxing Bank. Thirdly, according to the cultural characteristics and risk management status quo of risk management in Harbin Branch of Faxing Bank. Customizing the risk management system of Harbin Branch of Faxing Bank, using the index set to complete the risk management rating, so as to fully understand the risk rating of the Harbin Branch of Faxing Bank. 4th, in order to further guard against risks. Using the Logit model to build the early warning model and test the model. Finally, combined with the above research results, improve the bank risk management internal control system and external methods. Dissolving the bank risk, constructing the global risk management culture of Faxing Bank, adjusting the risk management organization structure, can provide reasonable and effective means to the Harbin Branch of Faxing Bank. The improvement and management of bank risk can help Faxing Bank Harbin Branch to cope with the fierce competition of international banking, thus forming the core competitiveness of the bank itself.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F831.2;F272.3

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