本文選題：柜面業(yè)務(wù)　切入點(diǎn)：操作風(fēng)險(xiǎn)　出處：《山東大學(xué)》2012年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：我國(guó)現(xiàn)有城市商業(yè)銀行一百多家,城市商業(yè)銀行是中國(guó)銀行業(yè)的重要組成和特殊群體。當(dāng)前,隨著我國(guó)的快速發(fā)展,金融體系也發(fā)生著變化,使得城市商業(yè)銀行的發(fā)展處于一個(gè)陌生的環(huán)境中,同時(shí)也面臨著諸多的風(fēng)險(xiǎn)。操作風(fēng)險(xiǎn)是銀行風(fēng)險(xiǎn)三大風(fēng)險(xiǎn)之一,而城市商業(yè)銀行面臨的操作風(fēng)險(xiǎn)中,柜面業(yè)務(wù)操作風(fēng)險(xiǎn)是非常重要的因素。如果不能很好的控制柜面業(yè)務(wù)風(fēng)險(xiǎn),就可能使銀行的各個(gè)方面受到制約,使糾錯(cuò)成本大增,使銀行和客戶(hù)的資金遭受損失。本文通過(guò)闡述柜面業(yè)務(wù)操作風(fēng)險(xiǎn)的概念、特點(diǎn)、表現(xiàn)形式、引發(fā)的后果、管理方法介紹了柜面業(yè)務(wù)操作風(fēng)險(xiǎn)的基本狀況。又分十個(gè)方面分析了柜面業(yè)務(wù)操作風(fēng)險(xiǎn)產(chǎn)生的原因：由城市商業(yè)銀行的金融中介本質(zhì)決定；由城市商業(yè)銀行內(nèi)部治理機(jī)制決定；由柜面業(yè)務(wù)處理對(duì)“人”主觀判斷的依賴(lài)性決定；內(nèi)控環(huán)境惡化；制度建設(shè)滯后；金融業(yè)多元化的發(fā)展人力資源已不能滿足；監(jiān)察制度還不是十分健全；對(duì)各種有效預(yù)防風(fēng)險(xiǎn)發(fā)生的投入有所欠缺；面對(duì)激烈的外部競(jìng)爭(zhēng)卻放松了內(nèi)因的管理；綜合柜員制下的操作風(fēng)險(xiǎn)。又闡述了人們對(duì)操作風(fēng)險(xiǎn)認(rèn)識(shí)的偏頗,很多人都以為操作風(fēng)險(xiǎn)是不能量化統(tǒng)計(jì)的,無(wú)法對(duì)其進(jìn)行分配。再就是,臨柜業(yè)務(wù)所面臨的風(fēng)險(xiǎn)與操作人、操作體制、操作中含有欺瞞性質(zhì)的一系列主觀違法行為,是分不開(kāi)的,盲目夫人把操作風(fēng)險(xiǎn)和操作中的風(fēng)險(xiǎn)畫(huà)上了等號(hào)；所以對(duì)操作風(fēng)險(xiǎn)的認(rèn)識(shí)還有待于進(jìn)一步的提高。認(rèn)為操作風(fēng)險(xiǎn)管理只是內(nèi)部審計(jì)部門(mén)的事情,與其他部門(mén)無(wú)關(guān)。特別是提出的建立健全柜面業(yè)務(wù)操作風(fēng)險(xiǎn)管理體制、完善柜面業(yè)務(wù)操作風(fēng)險(xiǎn)內(nèi)部控制制度建設(shè)、實(shí)行科學(xué)的柜面業(yè)務(wù)操作風(fēng)險(xiǎn)管理辦法、創(chuàng)新操作風(fēng)險(xiǎn)防范手段、加強(qiáng)操作風(fēng)險(xiǎn)文化建設(shè)等5項(xiàng)具體措施,對(duì)柜面業(yè)務(wù)操作風(fēng)險(xiǎn)的防范研究進(jìn)行了有益探討。
[Abstract]:There are more than 100 urban commercial banks in China. Urban commercial banks are an important and special group of Chinese banks. At present, with the rapid development of our country, the financial system is also changing. It makes the development of city commercial banks in a strange environment, but also faces a lot of risks. Operational risk is one of the three major risks of banks, while city commercial banks are faced with operational risks. The operational risk of counter business is a very important factor. If the risk of counter business can not be controlled well, it may restrict all aspects of the bank and increase the cost of correcting errors. This paper describes the concept, characteristics, manifestation and consequences of the operational risk of counter business. The management method introduces the basic situation of the operational risk of the counter business, and analyzes the causes of the operational risk of the container business from ten aspects: the nature of the financial intermediary of the city commercial bank, the internal governance mechanism of the city commercial bank, the management mechanism of the city commercial bank and the internal management mechanism of the city commercial bank. Depending on the subjective judgment of "human", the internal control environment is deteriorating, the system construction is lagging behind, the diversified development of human resources in the financial industry can not be satisfied, the supervision system is not very perfect; Lack of investment in effective prevention of risks; relaxation of internal cause management in the face of fierce external competition; operational risk under the comprehensive teller system. Many people think that the operational risks cannot be quantified and can not be assigned. Moreover, the risks faced by the counter business and the operators, the operating system, and the operation contain a series of subjective illegal acts of a deceptive nature. There is no separation. Mrs. Blind equated the operational risk with the operational risk; therefore, the understanding of the operational risk needs to be further improved. It is believed that the operational risk management is only a matter for the internal audit department. It has nothing to do with other departments. In particular, it is proposed to establish and improve the operational risk management system for counter business, to perfect the construction of internal control system for the operational risk of container business, and to implement scientific methods for managing the operational risks of container business. Five concrete measures, such as innovating the means of preventing operational risk and strengthening the construction of operational risk culture, are discussed in this paper.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

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