本文選題：商業(yè)銀行 + 銀行風(fēng)險(xiǎn)��； 參考：《東北財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：自銀行誕生之日起,商業(yè)銀行因風(fēng)險(xiǎn)引發(fā)的事件就屢見(jiàn)不鮮。直至20世紀(jì)以來(lái),隨著經(jīng)濟(jì)和科技的迅猛發(fā)展,銀行遭遇的風(fēng)險(xiǎn)事件的數(shù)量與日俱增,由此造成的損失更是數(shù)目龐大。隨著經(jīng)濟(jì)全球化形勢(shì)的蓬勃發(fā)展,當(dāng)今銀行業(yè)的經(jīng)營(yíng)方式更加國(guó)際化,產(chǎn)品和業(yè)務(wù)更多地面向全球,銀行業(yè)所面臨的風(fēng)險(xiǎn)也日益趨向復(fù)雜化和多樣化。與此同時(shí),當(dāng)今社會(huì)存在的金融業(yè)逐步開(kāi)放以及市場(chǎng)競(jìng)爭(zhēng)日益激烈的趨勢(shì),也迫使銀行業(yè)更多地涉足到風(fēng)險(xiǎn)頗高的金融領(lǐng)域中。然而目前商業(yè)銀行為了增加競(jìng)爭(zhēng)力一味追求規(guī)模擴(kuò)張和效益擴(kuò)大,漸漸忽視商業(yè)銀行的風(fēng)險(xiǎn)管理的重要性,片面的追求經(jīng)營(yíng)成果的取得而沒(méi)有考慮風(fēng)險(xiǎn)成本的存在,這種行為給商業(yè)銀行埋下了無(wú)盡的風(fēng)險(xiǎn)隱患。因此,對(duì)商業(yè)銀行風(fēng)險(xiǎn)管理問(wèn)題進(jìn)行充分和深入的研究,從而加強(qiáng)我國(guó)商業(yè)銀行風(fēng)險(xiǎn)管理能力和提高風(fēng)險(xiǎn)管理水平,己成為當(dāng)前我國(guó)在金融領(lǐng)域中亟待解決的重大問(wèn)題。 風(fēng)險(xiǎn)管理是商業(yè)銀行各項(xiàng)管理體系中一項(xiàng)復(fù)雜的系統(tǒng)的工程,為了達(dá)到有效規(guī)避風(fēng)險(xiǎn)和控制風(fēng)險(xiǎn)的目的,銀行機(jī)構(gòu)不僅需要采用先進(jìn)的風(fēng)險(xiǎn)管理技術(shù)和工具,同時(shí)需要從文化、結(jié)構(gòu)、制度、體系等多個(gè)方面著手,樹(shù)立銀行的風(fēng)險(xiǎn)管理文化,完善銀行的公司治理結(jié)構(gòu),健全銀行的內(nèi)部控制制度,構(gòu)建全面的風(fēng)險(xiǎn)管理體系,將風(fēng)險(xiǎn)管理這一概念全面貫穿到銀行業(yè)各項(xiàng)業(yè)務(wù)和各個(gè)環(huán)節(jié)中。因此,本文以商業(yè)銀行風(fēng)險(xiǎn)管理體系為研究對(duì)象,對(duì)我國(guó)商業(yè)銀行風(fēng)險(xiǎn)的表現(xiàn)形式、特征及成因做了研究和分析,并從風(fēng)險(xiǎn)管理的文化、制度、體系等方面提出銀行風(fēng)險(xiǎn)管理的宏觀對(duì)策,同時(shí)從微觀的角度對(duì)銀行涉及的信用風(fēng)險(xiǎn)、利率風(fēng)險(xiǎn)和流動(dòng)性風(fēng)險(xiǎn)等各種具體風(fēng)險(xiǎn)形式進(jìn)行了深入研究,對(duì)現(xiàn)代商業(yè)銀行風(fēng)險(xiǎn)管理體系提出了政策建議。本文全文共分為五個(gè)章節(jié),內(nèi)容結(jié)構(gòu)安排如下： 第一章,緒論。本章主要介紹了商業(yè)銀行風(fēng)險(xiǎn)管理的研究背景、研究?jī)?nèi)容以及研究目的,并簡(jiǎn)略介紹了本文寫(xiě)作的整體思路與使用的具體方法,使讀者了解對(duì)商業(yè)銀行風(fēng)險(xiǎn)管理進(jìn)行研究的必要性與迫切性,同時(shí)對(duì)本文的結(jié)構(gòu)框架與整體思路做出清晰的認(rèn)識(shí)。 第二章,相關(guān)理論綜述。在這一章中,首先明確銀行風(fēng)險(xiǎn)的定義及分類,然后詳細(xì)介紹了風(fēng)險(xiǎn)管理理論的內(nèi)涵與理論的演進(jìn)和發(fā)展,最后對(duì)當(dāng)今國(guó)際金融界主要遵從的標(biāo)準(zhǔn)和規(guī)則——巴塞爾協(xié)議的產(chǎn)生和發(fā)展做詳細(xì)和系統(tǒng)的闡述。本章的作用是以堅(jiān)實(shí)的理論研究為基礎(chǔ)為之后的風(fēng)險(xiǎn)管理體系研究做準(zhǔn)備。 第三章,我國(guó)商業(yè)銀行風(fēng)險(xiǎn)的表現(xiàn)形式、特征及成因分析。我國(guó)商業(yè)銀行面臨的主要風(fēng)險(xiǎn)包括信用風(fēng)險(xiǎn)、操作性風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)、利率匯率風(fēng)險(xiǎn)、財(cái)務(wù)風(fēng)險(xiǎn)和犯罪風(fēng)險(xiǎn)等多種類型的風(fēng)險(xiǎn),同時(shí)呈現(xiàn)出集中性、社會(huì)性和隱蔽性的特征。本章通過(guò)對(duì)目前我國(guó)銀行面臨的各種風(fēng)險(xiǎn)及表現(xiàn)特征的分析來(lái)了解銀行風(fēng)險(xiǎn)存在的規(guī)律性與特殊性,從而進(jìn)一步發(fā)掘?qū)е卢F(xiàn)行銀行高風(fēng)險(xiǎn)現(xiàn)狀的具體原因,包括經(jīng)濟(jì)原因、政治原因、法律原因、人文原因和銀行自身原因五個(gè)方面。 第四章,商業(yè)銀行風(fēng)險(xiǎn)管理防范策略。上一章對(duì)風(fēng)險(xiǎn)管理現(xiàn)狀提出了存在的問(wèn)題,本章將在上章基礎(chǔ)上提出對(duì)存在問(wèn)題的防范策略與解決措施。本章首先對(duì)國(guó)家先進(jìn)銀行的風(fēng)險(xiǎn)管理原則進(jìn)行探討,然后結(jié)合我國(guó)實(shí)際情況提出全面風(fēng)險(xiǎn)管理的解決對(duì)策。為了得到對(duì)現(xiàn)存問(wèn)題全面的解決方法,我國(guó)商業(yè)銀行在宏觀方面應(yīng)做到樹(shù)立健全的風(fēng)險(xiǎn)理念,營(yíng)造良好的外部環(huán)境,完善銀行的公司治理結(jié)構(gòu),建立科學(xué)的風(fēng)險(xiǎn)管理框架,同時(shí)提高管理技術(shù)并改變管理方式；在微觀方面,應(yīng)加強(qiáng)對(duì)信用風(fēng)險(xiǎn)、利率風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)的管理,完善內(nèi)部風(fēng)險(xiǎn)控制管理體系,深化人力系統(tǒng)改革,提高員工業(yè)務(wù)素質(zhì)。全面風(fēng)險(xiǎn)管理是現(xiàn)代銀行業(yè)風(fēng)險(xiǎn)管理的前進(jìn)方向,是現(xiàn)代銀行業(yè)提高經(jīng)營(yíng)水平以及增強(qiáng)國(guó)際競(jìng)爭(zhēng)力的必然選擇。 第五章,結(jié)論與展望。本章將從全文的研究分析的基礎(chǔ)上得出最后的結(jié)論,指出對(duì)復(fù)雜的風(fēng)險(xiǎn)管理理論探討的不全面性,并對(duì)未來(lái)中國(guó)商業(yè)銀行業(yè)如何加強(qiáng)風(fēng)險(xiǎn)管理能力、提高風(fēng)險(xiǎn)管理水平提出建議與期望。
[Abstract]:From the date of the birth of the bank, the events caused by the risk of commercial banks are not uncommon. Since twentieth Century, with the rapid development of economy and science and technology, the number of risk events that the bank has encountered is increasing, and the resulting losses are huge. With the rapid development of the economic globalization, the operation mode of the current banking industry More international, products and business are more global, and the risks facing the banking industry are increasingly complex and diversified. At the same time, the trend of the financial sector and the increasingly fierce market competition in today's society have forced the banking industry to move more into the financial sector with high risk. However, business is currently in business. In order to increase competitiveness, banks pursue scale expansion and benefit expansion, and gradually ignore the importance of risk management of commercial banks. They pursue a one-sided pursuit of business results without considering the existence of risk costs. This kind of behavior has buried endless risks for commercial banks. Therefore, the risk management problem of commercial banks is filled. In order to strengthen the risk management ability and improve the risk management level of commercial banks in China, it has become a major problem to be solved urgently in the financial field of China.
Risk management is a complex system project in the management system of commercial banks. In order to effectively avoid risk and control risk, bank institutions need not only advanced risk management technology and tools, but also culture, structure, system, system and other aspects to set up the bank's risk management culture. To improve the corporate governance structure of the bank, to improve the internal control system of the bank, to build a comprehensive risk management system, and to put the concept of risk management through all aspects of the banking business and all links. Therefore, this paper takes the risk management system of commercial banks as the research object, and features the characteristics and characteristics of the risk of commercial banks in China. The causes are studied and analyzed, and the macro countermeasures of bank risk management are put forward from the culture, system and system of risk management. At the same time, various specific risks, such as credit risk, interest rate risk and liquidity risk involved in the bank are deeply studied from the micro point of view, and the risk management system of modern commercial banks is put forward. The paper is divided into five chapters. The content structure is as follows:
Chapter 1, introduction. This chapter mainly introduces the research background, content and purpose of the risk management of commercial banks, and briefly introduces the overall thinking and specific methods of the writing, so as to make readers understand the necessity and urgency of the research on the risk management of commercial banks, at the same time, the structure framework and the whole of this article are also made. Make a clear understanding of the idea.
The second chapter is a summary of relevant theories. In this chapter, the definition and classification of bank risk is first defined, then the connotation and development of the theory of risk management are introduced in detail. Finally, the main compliance standards and rules of the international financial circle - the production and development of the Basel agreement are described in detail and systematically. Its role is to prepare for future research on risk management system based on solid theoretical research.
The third chapter is the analysis of the forms, characteristics and causes of the risk of commercial banks in China. The main risks faced by commercial banks in China include credit risk, operational risk, liquidity risk, interest rate risk, financial risk and crime risk, which are characterized by centrality, sociality and concealment. Through the analysis of the various risks and characteristics that our banks are facing at present, we can understand the regularity and particularity of the existence of bank risks, and further explore the specific reasons for the current high risk status of the banks, including five aspects, such as economic reasons, political reasons, legal reasons, humanistic causes and bank self reasons.
The fourth chapter, the risk management prevention strategy of commercial banks. The last chapter put forward the existing problems of risk management. This chapter will put forward the prevention strategies and solutions to the existing problems on the basis of the above chapter. This chapter first discusses the risk management principles of the state advanced banks, and then puts forward the comprehensive risk management in combination with the actual situation of our country. In order to get a comprehensive solution to the existing problems, the commercial banks in China should establish a sound risk concept, create a good external environment, perfect the bank's corporate governance structure, establish a scientific risk management framework, raise the management technology and change the management mode, and in the microcosmic aspects. We should strengthen the management of credit risk, interest rate risk, liquidity risk, improve the management system of internal risk control, deepen the reform of human system and improve the quality of employees' business. Comprehensive risk management is the direction of risk management in modern banking industry. It is the inevitable choice for modern banking to improve the level of business and enhance the international competitiveness.
The fifth chapter, conclusion and prospect. This chapter will draw the final conclusion on the basis of the research and analysis of the full text, and point out the incomplete discussion of the complex risk management theory, and put forward some suggestions and expectations on how to strengthen the risk management ability and improve the risk management level in the future Chinese commercial banking industry.
【學(xué)位授予單位】：東北財(cái)經(jīng)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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