本文關(guān)鍵詞： 商業(yè)銀行 風(fēng)險(xiǎn)管理 全面風(fēng)險(xiǎn)管理體系 華融湘江銀行湘潭分行　出處：《湖南大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來,國(guó)內(nèi)外銀行競(jìng)爭(zhēng)日趨激烈以及宏觀經(jīng)濟(jì)背景的較大變化使我國(guó)商業(yè)銀行面臨的風(fēng)險(xiǎn)日趨多樣化和復(fù)雜化。當(dāng)前分散的、片面的風(fēng)險(xiǎn)管理方式已經(jīng)不適應(yīng)當(dāng)前銀行發(fā)展的需要，新局面呼喚著商業(yè)銀行構(gòu)建全面風(fēng)險(xiǎn)管理體系，而《新巴塞爾協(xié)議》也對(duì)銀行業(yè)全面風(fēng)險(xiǎn)管理提出了新的要求。充分認(rèn)識(shí)我國(guó)商業(yè)銀行在風(fēng)險(xiǎn)管理方面與國(guó)際上的差距，樹立全新的全面風(fēng)險(xiǎn)管理理念，運(yùn)用科學(xué)的風(fēng)險(xiǎn)管理方法建立符合我國(guó)實(shí)際情況的全面風(fēng)險(xiǎn)管理體系，對(duì)防范銀行風(fēng)險(xiǎn)、提高銀行效益具有重要意義。 本文以華融湘江銀行湘潭分行為研究對(duì)象，對(duì)其現(xiàn)狀以及風(fēng)險(xiǎn)管理情況進(jìn)行了分析，并根據(jù)國(guó)際和國(guó)內(nèi)商業(yè)銀行風(fēng)險(xiǎn)管理研究理論，對(duì)華融湘江銀行湘潭分行如何改進(jìn)風(fēng)險(xiǎn)管理提出了具體措施，即建立華融湘江銀行湘潭分行全面管理體系，以幫助該行加強(qiáng)風(fēng)險(xiǎn)管理，提升經(jīng)營(yíng)管理水平，增強(qiáng)核心競(jìng)爭(zhēng)力。同時(shí)，華融湘江銀行是我國(guó)中小銀行的一個(gè)縮影，本文對(duì)華容湘江銀行湘潭分行風(fēng)險(xiǎn)管理進(jìn)行研究，對(duì)于我國(guó)其他中小銀行的風(fēng)險(xiǎn)管理可以起到一定的借鑒作用。 本文共分四個(gè)部分。第一部分是緒論，該部分論述了文章的選題背景和意義，概括闡述了本文所采用的研究方法、主要內(nèi)容，從總體上把握全文。并從理論上概括了商業(yè)銀行風(fēng)險(xiǎn)，依次介紹了商業(yè)銀行風(fēng)險(xiǎn)的定義、分類、特點(diǎn)以及商業(yè)銀行風(fēng)險(xiǎn)管理模式的發(fā)展，并從多個(gè)方面說明了我國(guó)商業(yè)銀行實(shí)行全面風(fēng)險(xiǎn)管理的必要性,是全文有力的理論支撐。第二部分以華融湘江銀行湘潭分行為例，通過分析其風(fēng)險(xiǎn)源、其風(fēng)險(xiǎn)管理中的理念、技術(shù)、組織架構(gòu)、流程、內(nèi)審制度和政策框架，發(fā)現(xiàn)問題，探尋成因，目的是指導(dǎo)該行乃至其他中小商業(yè)銀行能夠認(rèn)清自身風(fēng)險(xiǎn)管理中的現(xiàn)狀和存在的差距，使其認(rèn)識(shí)到實(shí)施全面風(fēng)險(xiǎn)管理的重要性。第三部分對(duì)華融湘江銀行湘潭分行如何構(gòu)建全面風(fēng)險(xiǎn)管理體系進(jìn)行了論述，對(duì)其所構(gòu)建的全面風(fēng)險(xiǎn)管理體系框架、要素進(jìn)行了解析，并對(duì)華融湘江銀行湘潭分行如何構(gòu)建全面風(fēng)險(xiǎn)管理體系從目標(biāo)設(shè)定、組織架構(gòu)、管理文化、管理流程、管理方法進(jìn)行了全面論述，，是本文的核心部分。第四部分闡述的是華融湘江銀行湘潭分行實(shí)施全面風(fēng)險(xiǎn)管理的保障措施，并從組織保障、制度保障、技術(shù)保障、人員保障以及外部監(jiān)督方面方面進(jìn)行了論述。
[Abstract]:In recent years, the competition of domestic and foreign banks is becoming more and more fierce and the macro-economic background has changed greatly. The risks faced by commercial banks in China are becoming more and more diversified and complicated. The one-sided way of risk management has not been adapted to the needs of the current development of banks. The new situation calls for the commercial banks to build a comprehensive risk management system. The New Basel Accord also puts forward new requirements for the comprehensive risk management of the banking industry. We should fully understand the gap between China's commercial banks and the international community in risk management, and establish a new concept of comprehensive risk management. It is of great significance to use the scientific risk management method to establish a comprehensive risk management system in accordance with the actual situation of our country, which is of great significance to the prevention of bank risks and the improvement of bank benefits. This paper takes Xiangtan Branch of Xiangjiang Bank of Huarong as the research object, analyzes its present situation and risk management, and according to the research theory of risk management of international and domestic commercial banks, This paper puts forward concrete measures on how to improve risk management in Xiangtan Branch of Xiangjiang Bank of Huarong, that is, to establish a comprehensive management system of Xiangtan Branch of Xiangjiang Bank of Huarong, in order to help the bank strengthen risk management and raise the level of management. At the same time, Huarong Xiangjiang Bank is a microcosm of small and medium-sized banks in China. This paper studies the risk management of Xiangtan Branch of Huarong Xiangjiang Bank. For other small and medium-sized banks in China, risk management can play a certain reference role. This paper is divided into four parts. The first part is the introduction, this part discusses the background and significance of the topic, summarizes the research methods adopted in this paper, the main content, Grasp the full text in general, and generalize the risk of commercial bank theoretically, then introduce the definition, classification, characteristics and the development of risk management mode of commercial bank in turn. It also explains the necessity of implementing comprehensive risk management in commercial banks of our country from many aspects, which is the theoretical support of the full text. The second part takes Xiangtan Branch of Huarong Xiangjiang Bank as an example to analyze its risk source and the concept of its risk management. Technology, organizational structure, process, internal audit system and policy framework, identify problems, explore causes, the purpose is to guide the bank and other small and medium-sized commercial banks to recognize their own risk management in the current situation and existing gaps, In the third part, it discusses how to construct the comprehensive risk management system of Xiangtan Branch of Xiangjiang Bank of Huarong, and analyzes the framework and elements of the comprehensive risk management system. And how to build a comprehensive risk management system in Xiangtan Branch of Xiangjiang Bank of Huarong is discussed from the aspects of goal setting, organizational structure, management culture, management process and management methods. It is the core part of this article. Part 4th describes the safeguard measures for implementing comprehensive risk management in Xiangtan Branch of Xiangtan Bank of Huarong River, and from the aspects of organization, system and technology, Personnel security and external supervision are discussed.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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本文編號(hào)：1550715