本文選題：操作風(fēng)險(xiǎn)　切入點(diǎn)：管理制度　出處：《中國(guó)石油大學(xué)（華東）》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來(lái)，國(guó)內(nèi)外商業(yè)銀行由操作風(fēng)險(xiǎn)帶來(lái)的問(wèn)題日益凸顯，操作風(fēng)險(xiǎn)存在銀行業(yè)務(wù)的各個(gè)環(huán)節(jié)，，涉及各業(yè)務(wù)條線。隨著金融全球化、金融創(chuàng)新和金融深化的發(fā)展，銀行規(guī)模的不斷擴(kuò)大、銀行業(yè)務(wù)品種的不斷增多，經(jīng)營(yíng)復(fù)雜程度的急劇上升，使得銀行的操作風(fēng)險(xiǎn)越來(lái)顯著，也越來(lái)越受到各界的關(guān)注。 東營(yíng)市商業(yè)銀行作為東營(yíng)地區(qū)地方性商業(yè)銀行，自2005年9月掛牌成立以來(lái)，其以驚人的速度進(jìn)行業(yè)務(wù)的擴(kuò)張和規(guī)模的膨脹。業(yè)務(wù)種類的增多，營(yíng)業(yè)網(wǎng)點(diǎn)的密集，使東營(yíng)市商業(yè)銀行面臨更為復(fù)雜的操作風(fēng)險(xiǎn)隱患。本文首先通過(guò)借鑒花旗銀行、英國(guó)銀行家協(xié)會(huì)等國(guó)際上不同組織對(duì)操作風(fēng)險(xiǎn)的定義，結(jié)合本人對(duì)操作風(fēng)險(xiǎn)的認(rèn)知給出了自己認(rèn)為比較合適的對(duì)操作風(fēng)險(xiǎn)的定義。同時(shí)，通過(guò)比較基本指標(biāo)法、標(biāo)準(zhǔn)法和高級(jí)計(jì)量法三種操作風(fēng)險(xiǎn)計(jì)量方法，選定了標(biāo)準(zhǔn)法是比較適合東營(yíng)市商業(yè)銀行現(xiàn)階段對(duì)操作風(fēng)險(xiǎn)進(jìn)行定量計(jì)量的方法。本文客觀全面的分析了東營(yíng)市商業(yè)銀行操作風(fēng)險(xiǎn)管理現(xiàn)狀及存在的問(wèn)題，充分借鑒了紐約銀行和德國(guó)銀行操作風(fēng)險(xiǎn)管理的經(jīng)驗(yàn)，從完善操作風(fēng)險(xiǎn)管理架構(gòu)、建立健全內(nèi)控制度和運(yùn)用電子手段健全操作風(fēng)險(xiǎn)管理等方面對(duì)東營(yíng)市商業(yè)銀行操作風(fēng)險(xiǎn)管理給出了建議。
[Abstract]:In recent years, the problems brought about by operational risks in commercial banks at home and abroad have become increasingly prominent. Operational risks exist in all aspects of banking business and involve various lines of business. With the development of financial globalization, financial innovation and financial deepening, With the continuous expansion of the scale of banks, the increasing variety of banking business and the sharp rise of management complexity, the operational risks of banks become more and more significant, and more and more people pay attention to them. Dongying City Commercial Bank, as a local commercial bank in Dongying region, has been expanding its business and expanding its scale at an astonishing speed since its establishment in September 2005. Dongying Commercial Bank is faced with more complicated operational risks. Firstly, this paper draws lessons from different international organizations such as Citibank, British Bankers Association and other international organizations to define operational risk. Combined with my cognition of operational risk, this paper gives the definition of operational risk that I think is more appropriate. At the same time, by comparing three operational risk measurement methods: basic index method, standard method and advanced metrology method, The standard method is chosen to be more suitable for the quantitative measurement of operational risk in Dongying City Commercial Bank at the present stage. The present situation and existing problems of operational risk management of Dongying Commercial Bank are analyzed objectively and comprehensively in this paper. Drawing on the experience of Bank of New York and Bank of Germany in operational risk management, from perfecting the framework of operational risk management, Some suggestions on operational risk management of Dongying City Commercial Bank are given in the aspects of establishing and perfecting internal control system and using electronic means to perfect operational risk management.
【學(xué)位授予單位】：中國(guó)石油大學(xué)（華東）
【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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