【摘要】：當(dāng)前，中國(guó)日益融入全球經(jīng)濟(jì)金融一體化，商業(yè)銀行即將全面開放，，商業(yè)銀行面臨的風(fēng)險(xiǎn)日趨復(fù)雜多變；《巴塞爾新資本協(xié)議》已經(jīng)公布實(shí)施，商業(yè)銀行風(fēng)險(xiǎn)監(jiān)管更加嚴(yán)格；未來銀行業(yè)的競(jìng)爭(zhēng)將集中在風(fēng)險(xiǎn)管理能力上，風(fēng)險(xiǎn)管理能力構(gòu)成銀行核心競(jìng)爭(zhēng)力的核心元素。但多年以來我國(guó)商業(yè)銀行重信貸風(fēng)險(xiǎn)，輕操作風(fēng)險(xiǎn)管理模式導(dǎo)致國(guó)內(nèi)商業(yè)銀行不良資產(chǎn)屢有反彈。操作風(fēng)險(xiǎn)管理形式日益嚴(yán)峻。因此，盡快構(gòu)筑起健全、有效的操作風(fēng)險(xiǎn)管理體系，全面提升操作風(fēng)險(xiǎn)管理水平成為我國(guó)商業(yè)銀行亟待回答和解決的問題。本文針對(duì)N銀行黑龍江省分行的操作風(fēng)險(xiǎn)管理問題進(jìn)行了研究，在對(duì)黑龍江省分行的操作風(fēng)險(xiǎn)管理基本情況進(jìn)行全面闡述的基礎(chǔ)上，對(duì)黑龍江省分行在操作風(fēng)險(xiǎn)管理中存在的問題及成因進(jìn)行了深入的分析和探討，在借鑒國(guó)內(nèi)外大型商業(yè)銀行相關(guān)的操作風(fēng)險(xiǎn)管理經(jīng)驗(yàn)的基礎(chǔ)上提出了黑龍江省分行操作風(fēng)險(xiǎn)管理問題的對(duì)策。
[Abstract]:At present, China is increasingly integrated into the global economic and financial integration, commercial banks are about to be fully opened, the risks faced by commercial banks are becoming increasingly complex and changeable, the Basel New Capital Accord has been published and implemented, and the risk supervision of commercial banks has become more stringent. In the future, the competition of the banking industry will focus on the risk management ability, which constitutes the core element of the bank's core competitiveness. However, for many years, the commercial banks in our country pay more attention to the credit risk than the operational risk management mode, which leads to the rebound of the non-performing assets of the domestic commercial banks. Operational risk management is becoming more and more severe. Therefore, to construct a sound and effective operational risk management system as soon as possible and to improve the level of operational risk management in an all-round way has become an urgent problem to be answered and solved by commercial banks in our country. In this paper, the operational risk management of N Bank Heilongjiang Branch has been studied, and the basic situation of operational risk management of Heilongjiang Branch has been comprehensively expounded. The problems and causes of operational risk management in Heilongjiang Branch are analyzed and discussed. Based on the experience of operational risk management of large commercial banks at home and abroad, the countermeasures of operational risk management in Heilongjiang Branch are put forward.
【學(xué)位授予單位】：黑龍江大學(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)：2201703