本文關(guān)鍵詞： 風(fēng)險管理 操作風(fēng)險 農(nóng)村信用社　出處：《河北大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)村信用社作為聯(lián)系城鄉(xiāng)金融企業(yè)，以三農(nóng)為市場定位，，是農(nóng)村金融的主要支持者和主要融資平臺，風(fēng)險管理水平的高低與否，對于自身和農(nóng)村金融市場穩(wěn)定意義非常重大。農(nóng)村信用社地處農(nóng)村、點多面廣、成長歷程錯綜復(fù)雜、管理體制不順、整體隊伍基礎(chǔ)差等客觀原因，造成管理經(jīng)營水平不高、風(fēng)險管理意識淡薄、內(nèi)控監(jiān)督不健全等問題，操作風(fēng)險問題比國內(nèi)其他金融機構(gòu)要復(fù)雜的多，面臨著巨大的操作風(fēng)險，形勢嚴(yán)峻。尤其是近年來操作風(fēng)險頻發(fā)，給農(nóng)村信用社造成巨大經(jīng)濟損失和聲譽損失，嚴(yán)重影響了我國農(nóng)村信用社的農(nóng)村商業(yè)化改革進程。因此，防范操作風(fēng)險成了一個十分重要而亟待研究課題，對于控制風(fēng)險、改善經(jīng)營環(huán)境、促進業(yè)務(wù)發(fā)展、打造核心競爭力、遏制農(nóng)村信用社經(jīng)濟案件發(fā)生具有重大的理論意義和現(xiàn)實意義。 本文以農(nóng)村信用社操作風(fēng)險管理為研究對象，綜合運用系統(tǒng)、流程管理、內(nèi)部控制、全面風(fēng)險管理等理論，分別采用了文獻研究法和系統(tǒng)分析法等方法對農(nóng)村信用社操作風(fēng)險進行研究。首先，從操作風(fēng)險相關(guān)基本理論入手，概述操作風(fēng)險權(quán)威概念，進而引出了操作風(fēng)險管理基本理論。其次，對現(xiàn)在所面臨的操作風(fēng)險和出現(xiàn)問題做概要性總結(jié)，然后進行成因分析。最后，以巴塞爾新資本協(xié)議為指導(dǎo)思想，參考國內(nèi)外活躍銀行的先進操作風(fēng)險管理經(jīng)驗，針對農(nóng)村信用社現(xiàn)狀，從從組織架構(gòu)、教育培訓(xùn)、流程、信息科技、管理方法五個方面提出了農(nóng)村信用社操作風(fēng)險管控體系建設(shè)方案。 本文主要在以下方面進行了創(chuàng)新性研究：一是參照植物根系生長模式應(yīng)用于農(nóng)村信用社操作風(fēng)險管理。二是基于邏輯學(xué)的推理模式提出了風(fēng)險模擬衍變預(yù)警方法。三是根據(jù)農(nóng)村信用社特殊狀況，構(gòu)建了農(nóng)村信用社現(xiàn)狀的操作風(fēng)險管控架構(gòu)。
[Abstract]:Rural credit cooperatives as a link between urban and rural financial enterprises, with the "three rural" as the market positioning, is the main support of rural finance and the main financing platform, the level of risk management or not. Rural credit cooperatives are located in rural areas, with a wide range of points, complex growth process, bad management system, poor overall team foundation and other objective reasons. Cause the management level is not high, the risk management consciousness is weak, the internal control supervision is not perfect and so on, the operational risk problem is much more complex than the domestic other financial institutions, facing the huge operational risk. The situation is grim, especially the frequent occurrence of operational risks in recent years, which has caused huge economic losses and reputation losses to rural credit cooperatives, and has seriously affected the reform process of rural commercialization of rural credit cooperatives in China. Prevention of operational risks has become a very important and urgent research topic for controlling risks, improving the business environment, promoting business development, building core competitiveness. It is of great theoretical and practical significance to contain the economic cases of rural credit cooperatives. In this paper, the operational risk management of rural credit cooperatives as the research object, comprehensive use of systems, process management, internal control, comprehensive risk management theory. The methods of literature research and system analysis are used to study the operational risk of rural credit cooperatives. Firstly, the concept of operational risk authority is summarized from the basic theory of operational risk. Then it leads to the basic theory of operational risk management. Secondly, it summarizes the operational risks and problems, and then analyzes the causes. Finally, the new Basel Capital Accord as the guiding ideology. Referring to the advanced operational risk management experience of active banks at home and abroad, in view of the current situation of rural credit cooperatives, from the organizational structure, education and training, processes, information technology. Five aspects of management methods of rural credit cooperatives operational risk management system construction program. This paper mainly carries on the innovative research in the following aspects:. The first is the application of plant root growth model to the operation risk management of rural credit cooperatives. The other is the logical reasoning model. The third is according to the special situation of rural credit cooperatives. The operational risk management structure of rural credit cooperatives is constructed.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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