操作風(fēng)險管理正成為現(xiàn)代金融市場健全風(fēng)險管理實(shí)踐的重要特征。隨著對操作風(fēng)險管理的日益關(guān)注,國際組織和國內(nèi)監(jiān)管機(jī)構(gòu)制定了關(guān)于操作風(fēng)險標(biāo)準(zhǔn)化管理的規(guī)則和法規(guī)。國內(nèi)外操作風(fēng)險損失數(shù)據(jù)研究表表明,內(nèi)部欺詐是中國商業(yè)銀行操作風(fēng)險的最主要原因。因此,商業(yè)銀行應(yīng)提高員工合規(guī)意識和道德規(guī)范,防范內(nèi)部欺詐,降低操作風(fēng)險。為滿足監(jiān)管要求,提高企業(yè)聲譽(yù),S銀行正逐步加強(qiáng)其操作風(fēng)險管理,但仍處于初步建設(shè)階段,與國際管理水平存在較大差距。本文通過總結(jié)操作風(fēng)險管理理論,調(diào)查S銀行歷史新聞和內(nèi)部管理實(shí)踐,指出了S銀行操作風(fēng)險管理存在的問題。此外,還對S銀行員工進(jìn)行了問卷調(diào)查和現(xiàn)場訪談,從企業(yè)文化、人力資源管理、風(fēng)險管理系統(tǒng)等方面進(jìn)行深入分析,發(fā)現(xiàn)其重營銷輕風(fēng)險的企業(yè)文化,激進(jìn)的激勵方案,不到位的問責(zé)制,沖突角色的兼崗,及不完善的數(shù)據(jù)收集和管理是S銀行操作風(fēng)險事故頻發(fā)的原因。本文采用文獻(xiàn)研究法、調(diào)查法和觀察法剖析S銀行當(dāng)前操作風(fēng)險管理的缺陷與不足,并根據(jù)分析結(jié)論,提出優(yōu)化建議。我們希望研究結(jié)果有助于S銀行進(jìn)一步發(fā)展其操作風(fēng)險管理。

【文章頁數(shù)】：100 頁

【學(xué)位級別】：碩士

【文章目錄】：
ACKNOWLEDGEMENTS
ABSTRACT
摘要
Chapter1 Introduction
    1.1 Research Background
        1.1.1 Regulatory Requirements
        1.1.2 Penalize Violators
        1.1.3 Endogenous Impetus
    1.2 Study Design
    1.3 Study Objectives
    1.4 Research Methodology
    1.5 Research Structure
Chapter2 Literature Review and Analysis Tools
    2.1 Definition and Classification of Operational Risk
    2.2 Operational Risk Measurement
        2.2.1 Basic Indicator Approach
        2.2.2 Standardized Measurement Approach
        2.2.3 Advanced Measurement Approaches
        2.2.4 Summarize of Measurement Approaches
        2.2.5 Shortcomings of Current Measurement Approaches
    2.3 Operational Risk Management
        2.3.1 Governance Structure
        2.3.2 Culture and Awareness
        2.3.3 Policies and Procedures
        2.3.4 Operational Risk Identification and Assessment
            2.3.4.1 Loss Data Collection
            2.3.4.2 Risk Control Self Assessments(RCSA)
            2.3.4.3 Key Risk Indicators(KRI)
        2.3.5 Reporting
        2.3.6 Risk Mitigation
            2.3.6.1 Business Continuity Planning(Scenario Analysis)
            2.3.6.2 Insurance
            2.3.6.3 Outsourcing
    2.4 A Loss Data Collection Exercise
        2.4.1 Overseas Loss Data Collection Exercise
        2.4.2 Domestic Loss Data Collection Exercise
Chapter3 Case Description
    3.1 Background Information
    3.2 Corporate Culture
    3.3 Human Resource Management and Remuneration System
        3.3.1 Balanced Scorecard
        3.3.2 Profit-centered incentives
        3.3.3 Hierarchy remuneration system
        3.3.4 Business Unit Rotation
        3.3.5 Employee
    3.4 Risk Management
    3.5 Governance Structure
    3.6 Data Processing
    3.7 Operational Risk Events
    3.8 Operational Risk Survey
    3.9 Summary
Chapter4 Case Analysis
    4.1 Corporate Culture
        4.1.1 Low Awareness of Operational Risk
        4.1.2 Inconsistency between Actions and Culture
        4.1.3 Customer experience
    4.2 Customer Privatization
        4.2.1 Relationship between Salespeople and Customer
        4.2.2 Information Asymmetry between Employee and Employer
        4.2.3 Kidnapping
    4.3 Incentive Scheme
        4.3.1 Short-term Actions and High Turnover Rate
        4.3.2 Regulation Fragmentation
        4.3.3 A Lax Accountability
    4.4 Duties and Positions
        4.4.1 Multi-sectoral Management
        4.4.2 Iinadequate Knowledge of Operational Risk Management
        4.4.3 Conflict-interest Dual Positions
    4.5 Data Collection and Operational Risk Measurement
        4.5.1 Data Collection and Processing
            4.5.1.1 Internal operational loss data
            4.5.1.2 External operational loss data
        4.5.2 Data Processing
        4.5.3 Operational Risk Measurement
    4.6 Conclusion
Chapter5 Suggestion and Conclusion
    5.1 Culture
    5.2 Relationship Privatization
        5.2.1 Relationship Privatization
        5.2.2 Dual Positions
    5.3 Incentive Programs
    5.4 Reinforce Punishment against Irregularities
        5.4.1 A Definite Stipulation on Negative Behavior
        5.4.2 A Strict Enforcement on Regulations
        5.4.3 A Regularly Review on the Effectiveness
    5.5 Risk Management System
        5.5.1 Loss Data Collection System
        5.5.2 Risk Monitor System
        5.5.3 Scenario Analysis System
    5.6 Conclusion
REFERENCE
APPENDIX



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