【摘要】：進(jìn)入20世紀(jì)90年代,國內(nèi)外商業(yè)銀行操作風(fēng)險(xiǎn)案件頻繁發(fā)生,有關(guān)研究表明商業(yè)銀行面臨的高操作風(fēng)險(xiǎn)很大程度上來自于柜面,該操作風(fēng)險(xiǎn)稱為柜面操作風(fēng)險(xiǎn)。柜面操作風(fēng)險(xiǎn)的存在給商業(yè)銀行經(jīng)營業(yè)務(wù)健康發(fā)展帶來極大的困擾,如何有效防范和控制柜面操作風(fēng)險(xiǎn),是商業(yè)銀行當(dāng)前亟待解決的問題。F商業(yè)銀行是由一家城市商業(yè)銀行發(fā)展而來的新興股份制商業(yè)銀行,近年發(fā)展速度較快,規(guī)模與效益都有了較大幅度的提升。該行在強(qiáng)化內(nèi)控管理、防范業(yè)務(wù)風(fēng)險(xiǎn)方面做了大量基礎(chǔ)性工作,也取得一些成效,但由于其本身發(fā)展時(shí)間不長(zhǎng),經(jīng)營管理的方式還較為粗放,在柜面操作風(fēng)險(xiǎn)管理方面還存在諸多隱患,對(duì)該行柜面操作風(fēng)險(xiǎn)管理進(jìn)行研究并提出相關(guān)措施與方案,具有重要的現(xiàn)實(shí)意義。 本文首先引出操作風(fēng)險(xiǎn)及柜面操作風(fēng)險(xiǎn)的定義、特征及表現(xiàn)形式,其次針對(duì)F商業(yè)銀行柜面操作風(fēng)險(xiǎn)管理的現(xiàn)狀及當(dāng)前存在的問題開展分析,實(shí)事求是地指出其取得的成績(jī),也客觀地指出存在的不足,緊接著文章對(duì)該行柜面操作風(fēng)險(xiǎn)存在問題的成因及柜面操作風(fēng)險(xiǎn)的有效識(shí)別與評(píng)估開展深入探析,并提出相應(yīng)的見解,之后對(duì)國內(nèi)外商業(yè)銀行柜面操作風(fēng)險(xiǎn)管理經(jīng)驗(yàn)開展研究,最后筆者根據(jù)自己的理解從五個(gè)層次提出該行柜面操作風(fēng)險(xiǎn)管理體系的構(gòu)建思路,在如何防控柜面操作風(fēng)險(xiǎn)也分別從物防、技防、人防三方面提出了具體的對(duì)策,這些措施匯聚了筆者十幾年的工作經(jīng)驗(yàn),有較強(qiáng)的操作性,對(duì)F商業(yè)銀行柜面操作風(fēng)險(xiǎn)管理有一定的借鑒作用。 本文創(chuàng)新點(diǎn)在于突出了柜面操作風(fēng)險(xiǎn)管理中人的因素,從F商業(yè)銀行柜面操作風(fēng)險(xiǎn)存在問題的主觀因素“人員因素”分析到F商業(yè)銀行柜面操作風(fēng)險(xiǎn)防范的“人防對(duì)策”,無不透露出筆者對(duì)柜面操作風(fēng)險(xiǎn)管理的“本質(zhì)”理解,本文不足之處在于由于本文內(nèi)容牽涉到商業(yè)銀行的一些核心內(nèi)容,加之筆者收集信息的能力有限,所獲取數(shù)據(jù)還不能完全滿足對(duì)課題的深入研究,另外一些見解還需要在實(shí)踐中加以驗(yàn)證。
[Abstract]:In the 1990s, the domestic and foreign commercial banks operating risk cases occur frequently, the relevant studies show that the commercial banks face a high operational risk to a large extent from the counter, this operational risk is called the counter operational risk. The existence of counter operation risk brings great troubles to the healthy development of commercial bank business. How to prevent and control the counter operation risk effectively, F commercial bank is a new joint-stock commercial bank developed from a city commercial bank. The bank has done a lot of basic work in strengthening internal control management and preventing business risks, and has also made some achievements. However, due to its short development time, the way of operation and management is relatively extensive. There are still many hidden dangers in the risk management of counter side operation. It is of great practical significance to study the risk management of counter side operation and put forward relevant measures and schemes. This paper first introduces the definition, characteristics and forms of operational risk and counter operational risk. Secondly, it analyzes the current situation and existing problems in the management of counter operational risk in F commercial bank, and points out its achievements realistically and realistically. It also objectively points out the shortcomings, and then the article makes a deep analysis of the causes of the problems in the operation risk of the bank's counter side and the effective identification and evaluation of the operational risk of the counter side, and puts forward the corresponding opinions. At last, according to my own understanding, the author puts forward the idea of constructing the risk management system of domestic and foreign commercial banks from five levels. In how to prevent and control the operational risks of counter, respectively, put forward specific countermeasures from three aspects of physical control, technical prevention and civil air defense. These measures have gathered the author's more than ten years' work experience and have strong operability. For F commercial bank counter operation risk management has certain reference function. The innovation of this paper lies in highlighting the human factors in the management of counter operational risks. From the subjective factor "personnel factors" of the problems existing in the operational risks of F commercial banks, this paper analyzes the "civil air defense countermeasures" for the prevention of the operational risks of the container operations in F commercial banks. It is revealed that the author understands the essence of the risk management of counter operations. The deficiency of this paper lies in the fact that the content of this paper involves some core contents of commercial banks, and the author's ability to collect information is limited. The obtained data can not fully satisfy the in-depth study of the subject, and some other opinions need to be verified in practice.
【學(xué)位授予單位】：南京理工大學(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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