本文選題：合規(guī)風(fēng)險　切入點：風(fēng)險管理　出處：《天津大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：2008年全球金融危機之后，銀行對合規(guī)風(fēng)險管理的要求進一步提高。早在上世紀(jì)80年代，歐美學(xué)者已經(jīng)對商業(yè)銀行涉及到的合規(guī)風(fēng)險管理問題進行驗研究。進入21世紀(jì)，在強調(diào)銀行業(yè)風(fēng)險監(jiān)管的巴塞爾協(xié)議之外，該委員會還專門發(fā)布《合規(guī)與銀行內(nèi)部合規(guī)部門》，強調(diào)合規(guī)風(fēng)險管理是日趨重要且獨立的風(fēng)險管理職能，從此便受到銀行實務(wù)界和監(jiān)管部門的高度關(guān)注。不久之后，中國銀監(jiān)會也發(fā)布《商業(yè)銀行合規(guī)風(fēng)險管理指引》，目前，該《指引》已經(jīng)成為指導(dǎo)中國商業(yè)銀行進行合規(guī)管理方面的核心制度和權(quán)威文件。 當(dāng)前，經(jīng)濟金融形勢存在較大的不確定性，銀行強化合規(guī)經(jīng)營的形勢日趨緊迫。然而，以往的研究大多集中在行業(yè)層面，篇幅多集中介紹國外銀行的先進經(jīng)驗，而沒有剖析我國商業(yè)銀行面臨的實際情況，進而做出機制設(shè)計方面的政策建議，導(dǎo)致銀行實際經(jīng)營中出現(xiàn)諸多合規(guī)風(fēng)險管理機制的缺陷。 本文以華夏銀行天津分行為例，闡述了其合規(guī)風(fēng)險管理制度的現(xiàn)狀、主要流程和存在的主要問題，并具體分析了華夏銀行天津分行風(fēng)險管理的政策要求、制度及其流程化的現(xiàn)狀。然后，分析對國內(nèi)外先進銀行合規(guī)管理制度，具體包括組織架構(gòu)、合規(guī)風(fēng)險管理制度和合規(guī)風(fēng)險管理流程等，對比得出華夏銀行天津分行與先進銀行的差距并在此基礎(chǔ)上提出改進方法，主要有樹立全新的合規(guī)風(fēng)險管理觀念、構(gòu)建完善的合規(guī)風(fēng)險管理體制、擴寬現(xiàn)有的合規(guī)風(fēng)險管理范圍、流程化合規(guī)風(fēng)險管理制度等。本文的第六部分則具體分析了流程優(yōu)化設(shè)計的一些問題，包括其影響因素、優(yōu)化目標(biāo)和原則、優(yōu)化方法和操作等。
[Abstract]:In 2008, after the global financial crisis, banks' requirements for compliance risk management were raised further. As early as -20s, European and American scholars have conducted a test study on compliance risk management issues involving commercial banks. In addition to the Basel Accord, which emphasizes the regulation of banking risks, the committee has issued the Compliance and Internal Compliance Department of Banks, stressing that compliance risk management is an increasingly important and independent risk management function, Soon after, the China Banking Regulatory Commission also issued the guidelines on Compliance risk Management of Commercial Banks. At present, The guideline has become the core system and authoritative document to guide the compliance management of Chinese commercial banks. At present, there is greater uncertainty in the economic and financial situation, and it is becoming increasingly urgent for banks to strengthen their compliance operations. However, previous studies have mostly focused on the industry level and have focused on introducing the advanced experience of foreign banks. Without analyzing the actual situation faced by commercial banks in our country, and then making policy recommendations on mechanism design, there are many defects of compliance risk management mechanism in the actual operation of banks. Taking Huaxia Bank Tianjin Branch as an example, this paper expounds the current situation, main process and main problems of its compliance risk management system, and analyzes the policy requirements of risk management in Huaxia Bank Tianjin Branch. Then, it analyzes the domestic and foreign advanced bank compliance management system, including the organizational structure, compliance risk management system and compliance risk management process, etc. By comparing the gap between Tianjin Branch of Huaxia Bank and advanced banks, the author puts forward the improvement methods, which mainly include setting up a new concept of compliance risk management and constructing a perfect compliance risk management system. The 6th part of this paper analyzes some problems of process optimization design, including its influencing factors, optimization objectives and principles, optimization methods and operations, etc.
【學(xué)位授予單位】：天津大學(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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本文編號：1580445