發(fā)布時間：2018-03-12 20:20

  本文選題：區(qū)域性商業(yè)銀行　切入點：風險評價　出處：《鄭州大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：近些年,我國的金融業(yè)持續(xù)快速發(fā)展,金融產(chǎn)品創(chuàng)新的步伐也不斷加快,這些都給我國的金融市場的穩(wěn)定帶來了隱患。就目前來看,我國的銀行業(yè)剛剛經(jīng)歷了一個快速發(fā)展的時期,資產(chǎn)規(guī)模及利潤增長迅猛,然而我國銀行業(yè)的風險防控手段較發(fā)達國家還處于較低水平,隨之也帶來了一系列的風險隱患。另外,在全球經(jīng)濟一體化進程不斷加深的背景下,我國銀行業(yè)在國內(nèi)外的發(fā)展必然都會遇到外資銀行的競爭,這些在給我國銀行業(yè)帶來機遇的同時也帶來了挑戰(zhàn)。在當前的后金融危機時代,資本約束、金融托媒、同業(yè)競爭、客戶需求綜合化這些使我國商業(yè)銀行的經(jīng)營環(huán)境發(fā)生了很大改變。2013年,國內(nèi)金融改革浪潮再次拉開序幕,利率市場化持續(xù)推進,國內(nèi)商業(yè)銀行賴以生存的存貸款利差進一步縮小,致使國內(nèi)銀行業(yè)2013年利潤增速大幅回落,傳統(tǒng)的銀行業(yè)務(wù)正面臨著巨大的挑戰(zhàn)。區(qū)域性商業(yè)銀行,作為支持地方經(jīng)濟發(fā)展的金融主力軍需要在當前復(fù)雜的經(jīng)濟金融環(huán)境下與國內(nèi)大型商業(yè)銀行及外資銀行同臺競技。其盈利能力、風險把控能力等各方面都會接受新的考驗。如何發(fā)揮區(qū)域性商業(yè)銀行的優(yōu)勢,進行差異化競爭,同時又合理的把控住風險、消除這些隱患,解決不斷出現(xiàn)的金融風險問題是我國學(xué)者及金融從業(yè)人員需要研究的新的課題。建立區(qū)域性商業(yè)銀行的風險評價系統(tǒng)在現(xiàn)階段也顯得尤為重要。利用風險評價系統(tǒng),區(qū)域性商業(yè)銀行可以在早期可以有效地識別風險,規(guī)避風險,風險控制,大大減低風險帶來的損失,而使銀行業(yè)務(wù)的穩(wěn)健運營得到受益,也有利于加強維護金融穩(wěn)定和安全,促進經(jīng)濟穩(wěn)定發(fā)展。構(gòu)建一個完善的風險評價體系需要將能夠?qū)嶋H反映風險變動趨勢及根源的指標與科學(xué)的理論方法有機得結(jié)合在一起。本文所構(gòu)建的風險評價體系包括指標選取、臨界值和指標權(quán)重的確定以及評價指標區(qū)間的確定等。內(nèi)容上首先介紹了國內(nèi)外相關(guān)文獻綜述,然后通過研究當前河南省區(qū)域性商業(yè)銀行運行現(xiàn)狀找出了這些風險存在的根源。同時,結(jié)合實際情況從區(qū)域性經(jīng)濟運行狀況、銀行自身運營狀況兩個模塊分別選取指標,確定臨界值并采用層次分析法逐級確定各層級權(quán)重。隨后本文選取了當?shù)赜写硇缘囊患覅^(qū)域性商業(yè)銀行和當?shù)匾患覈写笮蜕虡I(yè)銀行,將其指標數(shù)據(jù)代入評價系統(tǒng),給出了個方面及模塊的得分,較為準確的反映出了其當前所面臨的風險狀況。最后,本文依據(jù)前文所分析的區(qū)域性商業(yè)銀行的風險根源及與國有行的對比結(jié)果,給出了未來區(qū)域性商業(yè)銀行可以從人才培養(yǎng)、地域優(yōu)勢、中間業(yè)務(wù)等幾個方面防控風險,加快發(fā)展。
[Abstract]:In recent years, China's financial industry has continued to develop rapidly, and the pace of financial product innovation has been speeding up, all of which have brought hidden dangers to the stability of our financial market. China's banking industry has just experienced a period of rapid development, with the rapid growth of assets and profits. However, the risk prevention and control measures of China's banking industry are still at a lower level than those of developed countries. In addition, with the deepening of the process of global economic integration, the development of our banking industry at home and abroad will inevitably meet the competition of foreign banks. These have brought both opportunities and challenges to our banking industry. In the current post-financial crisis era, capital constraints, financial intermediation, competition among the same industry, The integration of customer demand has greatly changed the operating environment of commercial banks in China. In 2013, the wave of domestic financial reform began again, and the interest rate marketization continued to advance. The difference between deposit and loan interest rates on which domestic commercial banks rely for survival is further narrowed, resulting in a sharp drop in the growth rate of domestic banking profits in 2013, and the traditional banking business is facing enormous challenges. As the main force supporting local economic development, the financial force needs to compete with large domestic commercial banks and foreign banks in the current complex economic and financial environment. All aspects such as risk control ability will be tested. How to bring the advantages of regional commercial banks into full play and compete differently, and at the same time reasonably control risks and eliminate these hidden dangers, It is a new task for Chinese scholars and financial practitioners to solve the problem of financial risk. It is also very important to set up a risk evaluation system for regional commercial banks at this stage. Regional commercial banks can effectively identify risks, avoid risks, and control risks at an early stage, greatly reducing the losses caused by risks, and benefiting from the sound operation of banking operations, and also conducive to strengthening the maintenance of financial stability and security. In order to promote the steady development of economy, it is necessary to combine the index which can reflect the trend of risk change and the root cause of risk change with the scientific theory and method to construct a perfect risk evaluation system. The system includes the selection of indicators, The determination of critical value and index weight, as well as the determination of evaluation index interval, etc. Then through the study of the current operational status of regional commercial banks in Henan Province to find out the root causes of these risks. At the same time, combined with the actual situation from the regional economic operation situation, the two modules of the banks' own operation status select the indicators, respectively. The critical value is determined and the hierarchy process is used to determine the weight of each hierarchy step by step. Then this paper selects a local representative regional commercial bank and a local state-owned large commercial bank to substitute its index data into the evaluation system. This paper gives the aspects and module scores, which accurately reflects the current risk situation. Finally, according to the risk root of regional commercial banks and the comparison results with state-owned banks, the paper analyzes the risk sources of regional commercial banks and compares them with state-owned banks. The future regional commercial banks can prevent and control risks from the aspects of talent training, regional advantage, intermediate business and so on, and accelerate the development.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F272.3;F832.33

【參考文獻】

相關(guān)期刊論文 前6條

1 曾建中;;我國城商行發(fā)展模式轉(zhuǎn)型的有效路徑——基于“十二五”時期的分析視角[J];銀行家;2011年04期

2 曾建中;羅建;;十二五時期城商行發(fā)展模式轉(zhuǎn)型路徑研究[J];區(qū)域金融研究;2011年06期

3 張吉光;;城市商業(yè)銀行跨區(qū)域發(fā)展現(xiàn)狀、問題及對策建議[J];海南金融;2010年05期

4 劉曉勇;;商業(yè)銀行風險控制機制研究[J];金融研究;2006年07期

5 田遠;劉寧;;全面風險管理框架下商業(yè)銀行風險預(yù)警機制的構(gòu)建[J];蘭州大學(xué)學(xué)報(社會科學(xué)版);2013年01期

6 陳一洪;;2013年國內(nèi)城商行發(fā)展述評與2014年展望[J];黑龍江金融;2014年05期

相關(guān)博士學(xué)位論文 前1條

1 雷洪光;利率市場化進程中我國商業(yè)銀行中間業(yè)務(wù)發(fā)展研究[D];西南財經(jīng)大學(xué);2014年

，

本文編號：1603136