發(fā)布時(shí)間：2018-10-24 12:46

【摘要】：摘要：市場(chǎng)風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn),是商業(yè)銀行運(yùn)營(yíng)過程中所面臨的最重要的三大類風(fēng)險(xiǎn)。近年來,在金融全球化、金融產(chǎn)品日益創(chuàng)新和金融管制逐步放松等因素的影響下,國(guó)內(nèi)外商業(yè)銀行由于操作風(fēng)險(xiǎn)導(dǎo)致的巨額損失事件頻頻發(fā)生,給商業(yè)銀行的穩(wěn)健經(jīng)營(yíng)帶來了嚴(yán)重的負(fù)面影響,操作風(fēng)險(xiǎn)日漸成為國(guó)內(nèi)外商業(yè)銀行風(fēng)險(xiǎn)防范的重點(diǎn),同時(shí)也給商業(yè)銀行操作風(fēng)險(xiǎn)的管理帶來了嚴(yán)峻的挑戰(zhàn)。因此對(duì)商業(yè)銀行操作風(fēng)險(xiǎn)管理進(jìn)行研究具有重要的現(xiàn)實(shí)意義。 江蘇銀行成立時(shí)間較晚,受現(xiàn)代化商業(yè)銀行經(jīng)營(yíng)方式的影響,在操作風(fēng)險(xiǎn)控制和防范方面制定了一系列的規(guī)章制度,并且采取了各種措施,由此也取得了一定的成績(jī),但是由于對(duì)操作風(fēng)險(xiǎn)還缺乏整體認(rèn)識(shí),仍然存在一些操作風(fēng)險(xiǎn)隱患。本文以江蘇銀行操作風(fēng)險(xiǎn)管理為主要研究?jī)?nèi)容,首先,在查閱大量文獻(xiàn)基礎(chǔ)上,闡述了操作風(fēng)險(xiǎn)相關(guān)概念和理論,還著重分析了國(guó)外商業(yè)銀行操作風(fēng)險(xiǎn)管理實(shí)踐及經(jīng)驗(yàn)；其次,剖析了江蘇銀行操作風(fēng)險(xiǎn)管理現(xiàn)狀、存在的問題及成因；最后,針對(duì)江蘇銀行操作風(fēng)險(xiǎn)管理存在的問題提出了一些相關(guān)的改進(jìn)對(duì)策和建議。希望通過本文的研究,對(duì)提高江蘇銀行操作風(fēng)險(xiǎn)管理水平做出有益的參考。圖11幅,表1個(gè),參考文獻(xiàn)58篇。
[Abstract]:Absrtact: market risk, credit risk and operational risk are the most important three kinds of risks faced by commercial banks. In recent years, under the influence of the financial globalization, the increasingly innovative financial products and the gradual relaxation of financial regulation, the huge losses caused by the operational risks of commercial banks at home and abroad have occurred frequently. It has brought serious negative impact to the steady operation of commercial banks, and the operational risk has become the key point of risk prevention in domestic and foreign commercial banks. At the same time, it has also brought severe challenges to the management of operational risks of commercial banks. Therefore, the study of operational risk management of commercial banks has important practical significance. Due to the influence of modern commercial banks' management mode, Jiangsu Bank has formulated a series of rules and regulations on operational risk control and prevention, and has taken various measures, which have made certain achievements. However, due to the lack of overall understanding of operational risk, there are still some hidden risks. In this paper, Jiangsu Bank operational risk management as the main research content, first, on the basis of consulting a large number of literature, elaborated the operational risk related concepts and theories, but also focused on the analysis of foreign commercial banks operational risk management practice and experience; secondly, This paper analyzes the present situation, existing problems and causes of operational risk management of Jiangsu Bank, and finally, puts forward some relevant countermeasures and suggestions for the problems existing in operational risk management of Jiangsu Bank. Through this study, I hope to improve the operational risk management level of Jiangsu Bank to make a useful reference. 11 figures, 1 table, 58 references.
【學(xué)位授予單位】：中南大學(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)：2291462