商业银行风险防控活动中的犯罪预防

发布时间：2018-04-15 21:25

本文选题：商业银行 + 风险防控　；参考：《安徽大学》2013年硕士论文

【摘要】：在我国刑法中,金融类犯罪占了很大一部分,在经济全球化浪潮席卷而来的今天,逐步与世界接轨的我国金融业面临着极大的挑战。金融业的发展日新月异,金融业管理者所承担的风险防控工作也要与时俱进,在新时期新类型犯罪手段和方式层出不穷的挑战下,对于商业银行的风险防控工作应该常抓不懈,并提高工作效率,做到有的放矢。在以往的专著和学术论文中,许多学者探讨了我国金融犯罪的成因、金融机构的风险防控、金融犯罪的预防等等,本文从商业银行风险防控工作的角度探讨了犯罪预防,论述了在控制风险这一过程中,商业银行所面临的困境和应该承担的作用。本文首先对商业银行运营中的犯罪作了总体上的分析。主要阐述了商业银行运营中犯罪的现状、特点和原因。对任何事物的分析都应该从现象看本质,由表及里,因此本文这部分列举了国内外相关事例和数据,来对此类犯罪进行描述,并分析了其社会原因、经济原因、外部原因和人为原因,以期在接下来的论述中提出相应的预防对策。按照商业银行的业务分类,把商业银行经营活动的各类业务中所牵涉到的最具代表性的犯罪类型提出,为了便于理解和分类,按照刑法加以了归类,用刑法上规定的罪名来指代这类犯罪,然后联系到商业银行风险管理方面应该做的工作,对于防范这些犯罪提出了相应的对策和建议,包括宏观层面和微观层面、对内和对外、技术上和制度上等。并将商业银行的几类业务分为：授信业务、融资业务、资金管理、科技管理、综合管理以及日常经营活动业务。文中列举了一些数据和案例,对各类犯罪和具体罪名作了较为充分的阐述,在提出对策上,也由小及大、由客观到主观进行分析,并且联系实际和自身经验,对实际操作中可能面临的窘境提出了笔者自己的看法。本文主要是从犯罪学的角度来讨商业银行的风险防控,具有一定的实用性和新颖性,旨在提供相应的对策预防商业银行各类业务中的犯罪,对商业银行的风险防控工作提出新的见解,也为我国其他金融系统里的各种犯罪的控制提供一个理论参考。
[Abstract]:In the criminal law of our country, the financial crime accounts for a large part. Today, with the tide of economic globalization, the financial industry of our country is facing great challenges.With the rapid development of the financial industry, the risk prevention and control work undertaken by the financial industry managers should also keep pace with the times. Under the constant challenge of the new type of crime means and methods, the risk prevention and control work of the commercial banks should be unremitting.And improve the work efficiency, to achieve a targeted.In the past monographs and academic papers, many scholars have discussed the causes of financial crimes in China, the risk prevention and control of financial institutions, the prevention of financial crimes, and so on.In the process of controlling risks, commercial banks are faced with the dilemma and the role they should bear.This article first makes the overall analysis to the commercial bank operation crime.Mainly elaborated the commercial bank operation crime present situation, the characteristic and the reason.The analysis of anything should look from the phenomenon to the essence, from the outside to the inside, so this article enumerates the relevant cases and data at home and abroad to describe this kind of crime, and analyzes its social and economic reasons.External causes and human causes, with a view to the following discussion of the corresponding preventive measures.According to the business classification of commercial banks, the most representative types of crimes involved in the various types of business activities of commercial banks are proposed. In order to facilitate their understanding and classification, they are classified in accordance with the criminal law.Referring to this kind of crime with the charges stipulated in the criminal law, and then referring to the work that should be done in the area of risk management of commercial banks, and putting forward corresponding countermeasures and suggestions for preventing these crimes, including macro and micro levels, internal and external,Technical and institutional etc.Several kinds of business of commercial bank are divided into credit business, financing business, fund management, science and technology management, integrated management and daily operation business.This paper enumerates some data and cases, and fully expounds various kinds of crimes and specific charges. In proposing countermeasures, it also makes analysis from small to large, from objective to subjective, and combines the actual situation with its own experience.The author puts forward his own views on the dilemma that may be faced in the actual operation.This article mainly discusses the commercial bank's risk prevention and control from the angle of criminology, has certain practicability and novelty, in order to provide the corresponding countermeasure to prevent the commercial bank in all kinds of business crime,It also provides a theoretical reference for the control of various crimes in other financial systems of our country.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D917;D922.281

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