HTABC銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理研究
發(fā)布時(shí)間：2018-07-17 20:15
【摘要】：近些年,我國銀行業(yè)的理財(cái)業(yè)務(wù)得以快速發(fā)展,各個(gè)銀行紛紛著手開展符合自身特點(diǎn)的理財(cái)業(yè)務(wù)。另外,隨著生活水平的不斷提升,理財(cái)產(chǎn)品的客戶群體也在不斷壯大,具有極為良好的發(fā)展前景。但是,理財(cái)業(yè)務(wù)往往面臨著許多市場風(fēng)險(xiǎn),且呈現(xiàn)不斷增加的趨勢。所以,深入而準(zhǔn)確地分析開展理財(cái)業(yè)務(wù)過程中產(chǎn)生的諸多問題,并尋找到解決問題的方案以及有效規(guī)避風(fēng)險(xiǎn)的方法,便成為了各界學(xué)者關(guān)注的焦點(diǎn)之一。本文在充分借鑒以往研究文獻(xiàn)和資料的基礎(chǔ)上,將HTABC銀行作為分析目標(biāo),結(jié)合多種分析方法,如文獻(xiàn)研究、問卷調(diào)查等等,全方位理解與理財(cái)產(chǎn)品風(fēng)險(xiǎn)管理相關(guān)的一系列內(nèi)容。首先,概述了本文的研究背景及研究意義,分析商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理國內(nèi)外研究現(xiàn)狀,簡要介紹了本文的研究內(nèi)容及研究方法。其次,通過分析個(gè)人理財(cái)業(yè)務(wù)的概念、類別、特征了解個(gè)人理財(cái)業(yè)務(wù)相關(guān)理論,分析風(fēng)險(xiǎn)管理概念、風(fēng)險(xiǎn)識(shí)別及評價(jià)了解風(fēng)險(xiǎn)管理的相關(guān)理論,同時(shí)探究了個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理的概念,研究了商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理的方法,從而為本文研究奠定理論基礎(chǔ)。再者,通過對HTABC銀行概況及個(gè)人理財(cái)業(yè)務(wù)分析基礎(chǔ)上認(rèn)為HTABC銀行個(gè)人理財(cái)業(yè)務(wù)主要由銀行理財(cái)產(chǎn)品、基金產(chǎn)品、券商集合理財(cái)產(chǎn)品、保險(xiǎn)理財(cái)產(chǎn)品、信托理財(cái)產(chǎn)品構(gòu)成;HTABC銀行個(gè)人理財(cái)業(yè)務(wù)當(dāng)前梳理了初步的風(fēng)險(xiǎn)管理意識(shí),組建了基礎(chǔ)的風(fēng)險(xiǎn)管理制度,形成了基本的風(fēng)險(xiǎn)管理方法;但是當(dāng)前HTABC銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理還存在風(fēng)險(xiǎn)管理認(rèn)識(shí)深度不足,員工風(fēng)險(xiǎn)管理專業(yè)能力較低,風(fēng)險(xiǎn)評價(jià)重視程度較低,風(fēng)險(xiǎn)控制方案不完善等問題,一定程度上阻礙了HTABC銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展。第四,通過德爾菲法對HTABC銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理相關(guān)因素進(jìn)行專家打分由于分析,提出HTABC銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理風(fēng)險(xiǎn)主要有內(nèi)部制度風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)、外部政策風(fēng)險(xiǎn)、匯率風(fēng)險(xiǎn)、利率風(fēng)險(xiǎn)、通貨膨脹風(fēng)險(xiǎn)。第五,采用層次分析法構(gòu)建個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)評價(jià)指標(biāo)體系、構(gòu)建評價(jià)矩陣、確定指標(biāo)權(quán)重、計(jì)算評價(jià)結(jié)果、分析評價(jià)結(jié)果,通過分析認(rèn)為HTABC銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理中內(nèi)部風(fēng)險(xiǎn)因素的影響占據(jù)比例更大,其中流動(dòng)性及內(nèi)部制度風(fēng)險(xiǎn)對整體風(fēng)險(xiǎn)的影響特別顯著,而對于外部風(fēng)險(xiǎn)來說,通貨膨脹以及匯率引發(fā)的風(fēng)險(xiǎn)對整體風(fēng)險(xiǎn)的影響更為明顯。第六,通過對HTABC銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評價(jià)基礎(chǔ)上,提出銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理中要做到強(qiáng)化內(nèi)部自我監(jiān)督、優(yōu)化內(nèi)控控制制度、分析客戶需求、探究客戶價(jià)值、實(shí)施流動(dòng)性風(fēng)險(xiǎn)專門監(jiān)管、完善個(gè)人理財(cái)業(yè)務(wù)法律環(huán)境、健全資本市場反應(yīng)機(jī)制、加強(qiáng)客戶投資類型評價(jià)等多種措施,保障HTABC銀行個(gè)人理財(cái)業(yè)務(wù)的穩(wěn)定發(fā)展。最后提出本文的研究結(jié)論及研究展望,實(shí)現(xiàn)本文研究意義。
[Abstract]:In recent years, the banking business of our country has developed rapidly, and each bank has started to carry out financial services that conform to its own characteristics. In addition, with the continuous improvement of the living standard, the customer groups of the financial products are also growing and have a very good development prospect. However, financial services often face many market risks, Therefore, it is one of the focus of attention of the scholars from all walks of life to analyze the problems produced in the process of financial management, and to find solutions to the problems and to effectively avoid the risk. This paper will take full reference to the research literature and data, and then the HTABC bank As an analysis target, combined with a variety of analytical methods, such as literature research, questionnaire survey, and so on, a series of content related to the risk management of financial products. First, the research background and significance of this paper are summarized, and the domestic and foreign research status of the risk management of personal financial business in commercial banks is analyzed, and the research of this paper is briefly introduced. Secondly, through the analysis of the concepts, categories and characteristics of personal financial services, we understand the related theories of personal financial services, analyze the concept of risk management, identify and evaluate the related theories of risk management, and explore the concept of risk management in personal financial services, and study the risk of personal financial services in commercial banks. On the basis of the general situation of HTABC bank and the analysis of personal financial services, the author thinks that the personal financial business of HTABC bank is mainly composed of bank financial products, fund products, financial products of securities dealers, insurance financial products, trust financial products, and HTABC bank personal financial services. At present, the primary risk management consciousness has been combed, the basic risk management system has been formed, and the basic risk management methods have been formed. However, at present, the risk management of HTABC bank's personal financial business still has insufficient knowledge of risk management, low professional ability of staff risk management, low risk assessment, and no risk control scheme. The problem of perfect and so on, to a certain extent, hinders the development of HTABC bank's personal financial business. Fourth, through the analysis of Delphy Fa's expert scores on risk management related to HTABC bank's personal financial management business, it is suggested that the risk management risk of HTABC bank's personal financial management business should have internal institutional risk, operational risk and liquidity wind. Risk, external policy risk, exchange rate risk, interest rate risk, inflation risk. Fifth, use analytic hierarchy process to construct risk evaluation index system of personal financial services, construct evaluation matrix, determine index weight, calculate evaluation results, analyze evaluation results, and analyze the internal risk factors of HTABC bank personal financial business risk management by analysis. The influence of the factor of the element is greater, in which the liquidity and the internal institutional risk have a particularly significant impact on the overall risk. For the external risk, the inflation and the risk caused by the exchange rate have more obvious impact on the overall risk. Sixth, on the basis of risk assessment and risk assessment of the HTABC bank's personal financial services, the silver is proposed. In the risk management of personal financial services, we should strengthen internal self-supervision, optimize internal control and control system, analyze customer needs, explore customer value, implement special supervision of liquidity risk, perfect the legal environment of personal financial services, improve the mechanism of capital market reaction, strengthen the evaluation of customer investment type and so on, and guarantee the HTABC bank Finally, the research conclusions and research prospects of this paper are put forward to realize the significance of this research.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.2
本文編號(hào)：2130815
[Abstract]:In recent years, the banking business of our country has developed rapidly, and each bank has started to carry out financial services that conform to its own characteristics. In addition, with the continuous improvement of the living standard, the customer groups of the financial products are also growing and have a very good development prospect. However, financial services often face many market risks, Therefore, it is one of the focus of attention of the scholars from all walks of life to analyze the problems produced in the process of financial management, and to find solutions to the problems and to effectively avoid the risk. This paper will take full reference to the research literature and data, and then the HTABC bank As an analysis target, combined with a variety of analytical methods, such as literature research, questionnaire survey, and so on, a series of content related to the risk management of financial products. First, the research background and significance of this paper are summarized, and the domestic and foreign research status of the risk management of personal financial business in commercial banks is analyzed, and the research of this paper is briefly introduced. Secondly, through the analysis of the concepts, categories and characteristics of personal financial services, we understand the related theories of personal financial services, analyze the concept of risk management, identify and evaluate the related theories of risk management, and explore the concept of risk management in personal financial services, and study the risk of personal financial services in commercial banks. On the basis of the general situation of HTABC bank and the analysis of personal financial services, the author thinks that the personal financial business of HTABC bank is mainly composed of bank financial products, fund products, financial products of securities dealers, insurance financial products, trust financial products, and HTABC bank personal financial services. At present, the primary risk management consciousness has been combed, the basic risk management system has been formed, and the basic risk management methods have been formed. However, at present, the risk management of HTABC bank's personal financial business still has insufficient knowledge of risk management, low professional ability of staff risk management, low risk assessment, and no risk control scheme. The problem of perfect and so on, to a certain extent, hinders the development of HTABC bank's personal financial business. Fourth, through the analysis of Delphy Fa's expert scores on risk management related to HTABC bank's personal financial management business, it is suggested that the risk management risk of HTABC bank's personal financial management business should have internal institutional risk, operational risk and liquidity wind. Risk, external policy risk, exchange rate risk, interest rate risk, inflation risk. Fifth, use analytic hierarchy process to construct risk evaluation index system of personal financial services, construct evaluation matrix, determine index weight, calculate evaluation results, analyze evaluation results, and analyze the internal risk factors of HTABC bank personal financial business risk management by analysis. The influence of the factor of the element is greater, in which the liquidity and the internal institutional risk have a particularly significant impact on the overall risk. For the external risk, the inflation and the risk caused by the exchange rate have more obvious impact on the overall risk. Sixth, on the basis of risk assessment and risk assessment of the HTABC bank's personal financial services, the silver is proposed. In the risk management of personal financial services, we should strengthen internal self-supervision, optimize internal control and control system, analyze customer needs, explore customer value, implement special supervision of liquidity risk, perfect the legal environment of personal financial services, improve the mechanism of capital market reaction, strengthen the evaluation of customer investment type and so on, and guarantee the HTABC bank Finally, the research conclusions and research prospects of this paper are put forward to realize the significance of this research.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.2
【相似文獻(xiàn)】
相關(guān)碩士學(xué)位論文 前1條
1 王慶亮;HTABC銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理研究[D];山東理工大學(xué);2016年
，本文編號(hào)：2130815
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