本文選題：農(nóng)業(yè)銀行　切入點(diǎn)：操作風(fēng)險(xiǎn)　出處：《寧夏大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

【摘要】：銀行是經(jīng)營(yíng)風(fēng)險(xiǎn)的特殊企業(yè),風(fēng)險(xiǎn)管理水平?jīng)Q定著銀行最終的經(jīng)營(yíng)情況。最近幾年,國(guó)內(nèi)外發(fā)生的操作風(fēng)險(xiǎn)事件層出不窮,并且這些風(fēng)險(xiǎn)事件具有其獨(dú)特性,使金融機(jī)構(gòu)防不勝防。操作風(fēng)險(xiǎn)事件不僅給商業(yè)銀行帶來(lái)經(jīng)濟(jì)方面的損失,也對(duì)銀行聲譽(yù)造成了無(wú)法彌補(bǔ)的重創(chuàng)。本文目的是研究農(nóng)行寧夏分行臨柜業(yè)務(wù)操作風(fēng)險(xiǎn)管理體系建設(shè)情況,首先對(duì)商業(yè)銀行操作風(fēng)險(xiǎn)管理的理論進(jìn)行介紹,明確操作風(fēng)險(xiǎn)管理的定義、特點(diǎn)及目標(biāo),介紹風(fēng)險(xiǎn)的識(shí)別和評(píng)估,然后分析農(nóng)業(yè)銀行臨柜業(yè)務(wù)操作風(fēng)險(xiǎn)管理的現(xiàn)狀,目前農(nóng)業(yè)銀行已經(jīng)建立了風(fēng)險(xiǎn)管理組織架構(gòu),風(fēng)險(xiǎn)管理流程得到了規(guī)范,風(fēng)險(xiǎn)管理制度逐步完善,建立了相對(duì)比較成熟的風(fēng)險(xiǎn)識(shí)別、評(píng)估及測(cè)量流程,同時(shí)也制訂了經(jīng)濟(jì)資本計(jì)提規(guī)則,然而操作風(fēng)險(xiǎn)案件仍時(shí)有發(fā)生。本文以農(nóng)業(yè)銀行發(fā)生的臨柜操作風(fēng)險(xiǎn)典型案例為分析對(duì)象,從人員、操作流程、外部因素、系統(tǒng)原因等多個(gè)方面進(jìn)行剖析,研究這些案例的成因,指明操作風(fēng)險(xiǎn)案件發(fā)生的主要原因是管理部門風(fēng)險(xiǎn)管理意識(shí)欠缺,內(nèi)部控制制度不健全,監(jiān)督監(jiān)管體系不完善,人員崗位管理不到位等多方面因素,列舉農(nóng)業(yè)銀行日常業(yè)務(wù)中存在的風(fēng)險(xiǎn)隱患,最后提出從建立合理的績(jī)效考核方案,完善內(nèi)部控制體系、完善風(fēng)險(xiǎn)控制監(jiān)督體系、加強(qiáng)人員管理、組織構(gòu)架扁平化管理五個(gè)方面來(lái)應(yīng)對(duì)目前存在的操作風(fēng)險(xiǎn)的問(wèn)題,切實(shí)完善操作風(fēng)險(xiǎn)管理體系。
[Abstract]:Banks are special enterprises operating risk, the level of risk management determines the final operating situation of banks. In recent years, operational risk events at home and abroad have emerged in endlessly, and these risk events have their unique characteristics. Operational risk events not only bring economic losses to commercial banks, The purpose of this paper is to study the construction of the operating risk management system of Agricultural Bank of China's Ningxia Branch, first of all, to introduce the theory of operational risk management of commercial banks. Defining the definition, characteristics and objectives of operational risk management, introducing the identification and evaluation of risks, and then analyzing the current situation of operational risk management in temporary trading operations of the Agricultural Bank of China. At present, the Agricultural Bank of China has established an organizational framework for risk management. The risk management process has been standardized, the risk management system has been gradually improved, a relatively mature process of risk identification, evaluation and measurement has been established, and the economic capital accounting rules have also been formulated. However, the operation risk cases still occur from time to time. This paper takes the typical case of temporary operating risk in the Agricultural Bank as the analysis object, analyzes the personnel, operation process, external factors, system reasons and so on. After studying the causes of these cases, it is pointed out that the main reasons for the occurrence of operational risk cases are the lack of risk management consciousness in management departments, the imperfect internal control system, the imperfect supervision and control system, the inadequate management of personnel posts, and so on. This paper lists the hidden risks existing in agricultural bank's daily business, and finally puts forward the following suggestions: establishing reasonable performance appraisal scheme, perfecting internal control system, perfecting risk control supervision system, strengthening personnel management, The flattening management of organizational structure is to deal with the existing operational risk problems and improve the operational risk management system.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.2

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本文編號(hào)：1617077