本文選題：區(qū)域性商業(yè)銀行　切入點(diǎn)：風(fēng)險(xiǎn)評(píng)價(jià)　出處：《鄭州大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：近些年,我國(guó)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(guó)的金融市場(chǎng)的穩(wěn)定帶來(lái)了隱患。就目前來(lái)看,我國(guó)的銀行業(yè)剛剛經(jīng)歷了一個(gè)快速發(fā)展的時(shí)期,資產(chǎn)規(guī)模及利潤(rùn)增長(zhǎng)迅猛,然而我國(guó)銀行業(yè)的風(fēng)險(xiǎn)防控手段較發(fā)達(dá)國(guó)家還處于較低水平,隨之也帶來(lái)了一系列的風(fēng)險(xiǎn)隱患。另外,在全球經(jīng)濟(jì)一體化進(jìn)程不斷加深的背景下,我國(guó)銀行業(yè)在國(guó)內(nèi)外的發(fā)展必然都會(huì)遇到外資銀行的競(jìng)爭(zhēng),這些在給我國(guó)銀行業(yè)帶來(lái)機(jī)遇的同時(shí)也帶來(lái)了挑戰(zhàn)。在當(dāng)前的后金融危機(jī)時(shí)代,資本約束、金融托媒、同業(yè)競(jìng)爭(zhēng)、客戶(hù)需求綜合化這些使我國(guó)商業(yè)銀行的經(jīng)營(yíng)環(huán)境發(fā)生了很大改變。2013年,國(guó)內(nèi)金融改革浪潮再次拉開(kāi)序幕,利率市場(chǎng)化持續(xù)推進(jìn),國(guó)內(nèi)商業(yè)銀行賴(lài)以生存的存貸款利差進(jìn)一步縮小,致使國(guó)內(nèi)銀行業(yè)2013年利潤(rùn)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(jì)發(fā)展的金融主力軍需要在當(dāng)前復(fù)雜的經(jīng)濟(jì)金融環(huán)境下與國(guó)內(nèi)大型商業(yè)銀行及外資銀行同臺(tái)競(jìng)技。其盈利能力、風(fēng)險(xiǎn)把控能力等各方面都會(huì)接受新的考驗(yàn)。如何發(fā)揮區(qū)域性商業(yè)銀行的優(yōu)勢(shì),進(jìn)行差異化競(jìng)爭(zhēng),同時(shí)又合理的把控住風(fēng)險(xiǎn)、消除這些隱患,解決不斷出現(xiàn)的金融風(fēng)險(xiǎn)問(wèn)題是我國(guó)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(fēng)險(xiǎn)評(píng)價(jià)系統(tǒng)在現(xiàn)階段也顯得尤為重要。利用風(fēng)險(xiǎn)評(píng)價(jià)系統(tǒng),區(qū)域性商業(yè)銀行可以在早期可以有效地識(shí)別風(fēng)險(xiǎn),規(guī)避風(fēng)險(xiǎn),風(fēng)險(xiǎn)控制,大大減低風(fēng)險(xiǎn)帶來(lái)的損失,而使銀行業(yè)務(wù)的穩(wěn)健運(yùn)營(yíng)得到受益,也有利于加強(qiáng)維護(hù)金融穩(wěn)定和安全,促進(jìn)經(jīng)濟(jì)穩(wěn)定發(fā)展。構(gòu)建一個(gè)完善的風(fēng)險(xiǎn)評(píng)價(jià)體系需要將能夠?qū)嶋H反映風(fēng)險(xiǎn)變動(dòng)趨勢(shì)及根源的指標(biāo)與科學(xué)的理論方法有機(jī)得結(jié)合在一起。本文所構(gòu)建的風(fēng)險(xiǎn)評(píng)價(jià)體系包括指標(biāo)選取、臨界值和指標(biāo)權(quán)重的確定以及評(píng)價(jià)指標(biāo)區(qū)間的確定等。內(nèi)容上首先介紹了國(guó)內(nèi)外相關(guān)文獻(xiàn)綜述,然后通過(guò)研究當(dāng)前河南省區(qū)域性商業(yè)銀行運(yùn)行現(xiàn)狀找出了這些風(fēng)險(xiǎn)存在的根源。同時(shí),結(jié)合實(shí)際情況從區(qū)域性經(jīng)濟(jì)運(yùn)行狀況、銀行自身運(yùn)營(yíng)狀況兩個(gè)模塊分別選取指標(biāo),確定臨界值并采用層次分析法逐級(jí)確定各層級(jí)權(quán)重。隨后本文選取了當(dāng)?shù)赜写硇缘囊患覅^(qū)域性商業(yè)銀行和當(dāng)?shù)匾患覈?guó)有大型商業(yè)銀行,將其指標(biāo)數(shù)據(jù)代入評(píng)價(jià)系統(tǒng),給出了個(gè)方面及模塊的得分,較為準(zhǔn)確的反映出了其當(dāng)前所面臨的風(fēng)險(xiǎn)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(fēng)險(xiǎn)根源及與國(guó)有行的對(duì)比結(jié)果,給出了未來(lái)區(qū)域性商業(yè)銀行可以從人才培養(yǎng)、地域優(yōu)勢(shì)、中間業(yè)務(wù)等幾個(gè)方面防控風(fēng)險(xiǎn),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(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F272.3;F832.33

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