本文關(guān)鍵詞：中小商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的風(fēng)險(xiǎn)研究　出處：《中國地質(zhì)大學(xué)（北京）》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著我國金融國際化程度的加強(qiáng)，商業(yè)銀行金融創(chuàng)新步伐的加快，同時(shí)由于我國人均收入水平的不斷提高，單個(gè)家庭的財(cái)富的不斷積累，2010年末,我國的居民儲蓄存款余額已經(jīng)達(dá)到了307166億元,中國百萬富翁的人數(shù)超過百萬。廣大富裕起來的國人開始對增加專業(yè)的理財(cái)需要求，而傳統(tǒng)的銀行投資渠道已遠(yuǎn)不能滿足。因此，由于需求引發(fā)的商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)逐步進(jìn)入了快速發(fā)展的軌道，但伴隨而生的理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)問題也越來越凸顯。本文旨在通過運(yùn)用各類風(fēng)險(xiǎn)管理理論及國內(nèi)外先進(jìn)的風(fēng)險(xiǎn)管理經(jīng)驗(yàn)，結(jié)合筆者所在的包商銀行的理財(cái)業(yè)務(wù)發(fā)展現(xiàn)狀，對中小商業(yè)銀行理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)進(jìn)行研究，力求找到有效防范此類風(fēng)險(xiǎn)方法和手段，以提升中小商業(yè)銀行理財(cái)業(yè)務(wù)的風(fēng)險(xiǎn)管理水平。 本文通過梳理中外商業(yè)銀行理財(cái)業(yè)務(wù)的發(fā)展歷程及包商銀行目前理財(cái)業(yè)務(wù)發(fā)展中存在的各類風(fēng)險(xiǎn)問題，通過研究對比，，發(fā)現(xiàn)國際先進(jìn)的銀行理財(cái)業(yè)務(wù)的風(fēng)險(xiǎn)主要集中在信用風(fēng)險(xiǎn)、管理風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)和法律風(fēng)險(xiǎn)等方面，而目前我國中小商業(yè)銀行由于發(fā)展起步較晚，在理財(cái)業(yè)務(wù)開展上，不僅涉及到以上的風(fēng)險(xiǎn)，還涉及到流動(dòng)性風(fēng)險(xiǎn)、產(chǎn)品設(shè)計(jì)上存在的風(fēng)險(xiǎn)和透支銀行信用的風(fēng)險(xiǎn)。因此，本文希望通過借助國外先進(jìn)國家和地區(qū)的風(fēng)險(xiǎn)防范經(jīng)驗(yàn)，來探討國內(nèi)的中小商業(yè)銀行風(fēng)險(xiǎn)防范的對策，以期解決中小商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展中的瓶頸問題。 最后，通過全面地剖析我國中小商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展面臨的各類風(fēng)險(xiǎn)，提出了我國中小商業(yè)銀行理財(cái)業(yè)務(wù)的防范對策，即：以監(jiān)管部門主動(dòng)監(jiān)管和中小商業(yè)銀行自律發(fā)展，二者共同努力，努力實(shí)現(xiàn)發(fā)展和規(guī)范并重，促進(jìn)我國銀行業(yè)個(gè)人理財(cái)業(yè)務(wù)的理性健康發(fā)展。
[Abstract]:With the strengthening of the degree of financial internationalization in our country, the pace of financial innovation in commercial banks has been accelerated. At the same time, due to the constant improvement of the level of per capita income in our country, the wealth of individual households has been accumulated continuously, in end of 2010. The balance of savings deposits in China has reached thirty tillion seven hundred and sixteen billion six hundred million yuan, and the number of millionaires in China is more than one million. But the traditional bank investment channel has been far from being satisfied. Therefore, the commercial bank personal finance business has gradually entered the rapid development track because of the demand. However, the accompanying financial management business risk problem is becoming more and more prominent. This paper aims to use all kinds of risk management theory and advanced risk management experience at home and abroad. Combined with the current situation of the financial management business of the contractor bank, this paper studies the risk of financial management business of small and medium-sized commercial banks, and tries to find effective ways and means to prevent such risks. In order to improve the level of risk management of small and medium commercial banks. Through combing the development course of the Chinese and foreign commercial banks' financial management business and the various risk problems existing in the current financial management business development of the contractors' banks, this paper makes a comparative study. It is found that the risks of international advanced banking business mainly focus on credit risk, management risk, operational risk and legal risk, etc. At present, the small and medium-sized commercial banks of our country start relatively late due to the development of small and medium-sized commercial banks. In the development of financial management business, not only involves the above risks, but also involves the liquidity risk, product design risk and the risk of overdraft bank credit. This paper hopes to use the risk prevention experience of foreign advanced countries and regions to explore the domestic small and medium-sized commercial banks risk prevention countermeasures. In order to solve the small and medium-sized commercial banks in the development of personal finance business bottlenecks. Finally, through a comprehensive analysis of the various risks faced by the development of personal finance business of small and medium-sized commercial banks in China, the paper puts forward the preventive measures for the financial business of small and medium-sized commercial banks in China. That is to say, with the supervision of supervision department and the self-discipline development of small and medium-sized commercial banks, they should make joint efforts to realize both development and standardization, so as to promote the rational and healthy development of personal finance business in China's banking industry.
【學(xué)位授予單位】：中國地質(zhì)大學(xué)（北京）
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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