本文關(guān)鍵詞：吉林省建行公司金融業(yè)務(wù)操作風(fēng)險防范研究　出處：《吉林大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：金融危機爆發(fā)后，美國多家銀行倒閉，，使得人們開始關(guān)注銀行操作風(fēng)險管理問題。操作風(fēng)險是商業(yè)銀行在日常經(jīng)營活動中所面臨的風(fēng)險之一。與市場風(fēng)險、信用風(fēng)險、流動性風(fēng)險不同,商業(yè)銀行對操作風(fēng)險的認(rèn)識和理解還處于較低水平。操作風(fēng)險因自身業(yè)務(wù)的特點而異，無法進(jìn)行標(biāo)準(zhǔn)化以及模板化，但操作風(fēng)險多半都是發(fā)生在管理薄弱，風(fēng)險意識差的機構(gòu)。中國商業(yè)銀行公司金融業(yè)務(wù)操作風(fēng)險的頻繁發(fā)生暴露了我國銀行業(yè)風(fēng)險管理的薄弱環(huán)節(jié)。本文結(jié)合中國銀行業(yè)目前風(fēng)險管理的現(xiàn)狀，通過對公司金融業(yè)務(wù)操作風(fēng)險的特征及產(chǎn)生原因的分析，找尋實踐工作中吉林省建行公司金融業(yè)務(wù)操作風(fēng)險發(fā)生的規(guī)律和特點。本文首先探討了不同國家的商業(yè)銀行公司金融業(yè)務(wù)操作風(fēng)險防范實踐，對吉林建行公司金融業(yè)務(wù)操作風(fēng)險的防控起到了重要的借鑒作用。然后從商業(yè)銀行操作風(fēng)險的內(nèi)涵入手，結(jié)合對近年來所發(fā)生的公司金融業(yè)務(wù)操作風(fēng)險案例的分析，總結(jié)出國內(nèi)商業(yè)銀行業(yè)操作風(fēng)險產(chǎn)生的典型特征，提出符合國內(nèi)商業(yè)銀行特征的操作風(fēng)險定義及其基本特征，根據(jù)巴塞爾委員會提出的操作風(fēng)險分類的標(biāo)準(zhǔn)，結(jié)合中國商業(yè)銀行業(yè)的實際情況，提出了適合中國商業(yè)銀行業(yè)特點的操作風(fēng)險的分類標(biāo)準(zhǔn)，并分析了吉林建行金融業(yè)務(wù)操作風(fēng)險的現(xiàn)狀以及存在的問題。進(jìn)一步，對吉林建行存在這種問題的原因進(jìn)行更加細(xì)致的分析，分別從人員職業(yè)操守缺失、內(nèi)部控制缺失和業(yè)務(wù)流程不完善三方面總結(jié)歸納原因；又以由公司金融業(yè)務(wù)操作風(fēng)險所引發(fā)問題的一些真實案例為模板，根據(jù)自身經(jīng)驗和對銀行公司金融業(yè)務(wù)方面的知識對其進(jìn)行了擴展和延伸，在對各個案例進(jìn)行評析的同時，又提示了商業(yè)銀行的公司金融業(yè)務(wù)操作風(fēng)險控制點，總結(jié)了相應(yīng)的經(jīng)驗和教訓(xùn)。最后本文提出了吉林建行公司金融業(yè)務(wù)操作風(fēng)險的防范對策，根據(jù)自身經(jīng)驗從完善商業(yè)銀行公司治理結(jié)構(gòu)、加強內(nèi)部控制制度的建設(shè)、優(yōu)化業(yè)務(wù)流程設(shè)計、加強量化管理、塑造先進(jìn)風(fēng)險文化、強化金融監(jiān)管等六個層次進(jìn)行了論述，提供了建行吉林省分行操作風(fēng)險管理的文化理念、政策流程、組織架構(gòu)、量化管理以及自評估管理等一系列公司金融業(yè)務(wù)操作風(fēng)險管理思路。近幾年，中國商業(yè)銀行業(yè)界和學(xué)術(shù)理論界都加大了對于公司金融業(yè)務(wù)操作風(fēng)險的關(guān)注和研究。很多學(xué)者及商業(yè)銀行界人士從商業(yè)銀行公司金融業(yè)務(wù)操作風(fēng)險的基本特征、產(chǎn)生因素等方面入手，對公司金融業(yè)務(wù)操作風(fēng)險的范圍進(jìn)行了相應(yīng)界定，各個商業(yè)銀行也應(yīng)該根據(jù)自身情況做出相應(yīng)比較，衡量操作風(fēng)險防控的重要性有針對性地建立起解決商業(yè)銀行公司金融業(yè)務(wù)操作風(fēng)險問題的具體實施方案。本文的研究價值主要體現(xiàn)在進(jìn)一步推動了國內(nèi)商業(yè)銀行改革的發(fā)展，提出地對建行吉林省分行的公司金融業(yè)務(wù)操作風(fēng)險進(jìn)行防控和管理的有效對策，達(dá)到盡量杜絕操作風(fēng)險、提高經(jīng)濟效益的效果，確保整個社會金融資產(chǎn)的安全和經(jīng)濟秩序的穩(wěn)定。
[Abstract]:After the outbreak of the financial crisis, US banks collapse, the people began to pay attention to bank operational risk management. Operational risk is one of the commercial banks face in daily business activities. The risk and market risk, credit risk, liquidity risk, commercial bank knowledge and understanding of the operational risk is at a low level. The operational risk varies depending on the characteristics of their own business, not standardized and modular, but the operation risk mostly occurred in the risk management is weak, poor awareness of the organization. The frequent operation risk of the company Chinese commercial banking business has exposed the weak links of China's banking risk management. Combined with the present situation of the banking industry Chinese risk management, by analyzing the features and causes of operating risk of corporate finance business, looking for practical work in Jilin Construction Bank financial services company The rules and characteristics of operational risk. This paper discusses the different national commercial bank financial services company operating risk prevention practice, the important reference for the prevention and control of operational risk in Jilin branch company financial business. Then starting from the connotation of operational risk of commercial banks, combined with the analysis of the case of operational risk of financial business in recent years to what happened, summarizes the typical characteristics of operational risk of domestic commercial banking, put forward the definition of operational risk of domestic commercial banks in accordance with the characteristics and basic characteristics, according to the Basel Committee proposed the operational risk classification standards, combined with the actual situation of commercial bank Chinese industry, put forward the classification standard of operational risk for commercial bank Chinese the characteristics of the industry, and analyzes the present situation of Jilin Construction Bank financial business operation risk and problems. Further, the Jilin Construction Bank causes the existence of such problems more detailed analysis, respectively, from the lack of personnel occupation ethics, lack of internal control and business process is not perfect three aspects summarizes reasons; in some real case problems caused by operational risk financial services company as a template, according to their own experience and the bank's financial business knowledge has carried on the expansion and extension, in the analysis of each case, and the commercial bank's financial business operation risk control, summarizes the relevant experiences and lessons. The Countermeasures of the operational risk of Jilin Construction Bank financial services company in the proposed, based on their own experience from the improvement of corporate governance structure of commercial banks the company, strengthen the construction of internal control system, optimize the business process design, strengthen the quantitative management, establish advanced risk culture, strengthen financial supervision and control. The six level tube are discussed in this paper, provides the operational risk management of Jilin branch of China Construction Bank culture concept, policy process, organization structure, quantitative management and self assessment management and a series of financial business operation risk management ideas. In recent years, the commercial bank Chinese industry and academic circles have stepped up to the operational risk the company financial business concern and research. Many scholars and professionals from the basic characteristics of commercial bank operation risk of commercial bank financial services companies, factors and other aspects, the company financialbusiness operational risk has been defined, all commercial banks should also make corresponding comparison according to their own situation, the importance of measuring operational risk prevention and control to establish a specific implementation plan to solve the problems of operational risk of commercial bank financial services company. The value of this study mainly In promoting the further development of the domestic commercial bank reform, put forward effective measures to control and management of the company financial operation risk of Jilin branch of China Construction Bank, to try to put an end to operation risk, improve the economic efficiency, to ensure that the entire social security financial assets and the stability of the economic order.

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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