本文選題：商業(yè)銀行 + 財務風險��； 參考：《吉林財經(jīng)大學》2015年碩士論文

【摘要】：在市場經(jīng)濟復雜多變的大環(huán)境中,商業(yè)銀行在經(jīng)營過程中會面臨各類風險。而商業(yè)銀行目前的主要工作是對資金進行管理,財務風險成了商業(yè)銀行所面臨的最主要風險之一。財務風險產(chǎn)生于銀行財務運營的各個環(huán)節(jié),具體表現(xiàn)在資本風險、流動性風險等方面。因此在了解我國商業(yè)銀行財務風險的含義及重要性的基礎上,對財務風險進行預防和控制對商業(yè)銀行來說具有重要的意義。筆者采用文獻研究法通過閱讀和分析國內(nèi)外文獻,了解國內(nèi)外相關(guān)研究動態(tài),借鑒前人的研究思路和方法,加入自己的想法和思考并展開研究。再結(jié)合案例研究法,以J銀行的財務風險狀況為例,在分析J銀行財務風險管理現(xiàn)狀及風險成因的基礎上相應的提出具有針對性的建議,以加強商業(yè)銀行財務風險管理及合理規(guī)避商業(yè)銀行財務風險。本文第一章對財務風險管理的國內(nèi)外文獻進行概括綜述,闡述了對商業(yè)銀行財務風險管理的研究意義;第二章論述了商業(yè)銀行財務風險管理的理論基礎,商業(yè)銀行財務風險管理理論經(jīng)歷不同階段,是一個逐漸完善的過程;第三章結(jié)合J銀行具體情況分析J銀行的財務風險,并總結(jié)了J銀行對財務風險的管理內(nèi)容;第四章分析了J銀行在財務風險管理中暴露的問題,并針對問題提出了解決建議;第五章對整篇文章進行了總結(jié)和展望,以J銀行為例對商業(yè)銀行的財務風險管理的借鑒意義。本文的創(chuàng)新之處在于以J銀行為例,對我國商業(yè)銀行的財務風險管理問題進行了較為全面的研究分析,J銀行成立時間短,作為年輕企業(yè),J銀行少有被作為案例從商業(yè)銀行財務風險管理的角度進行分析,在研究內(nèi)容上有所創(chuàng)新。筆者在對J銀行的財務風險管理對策進行探討時,在問題的解決措施上也有創(chuàng)新,提出了將大數(shù)據(jù)技術(shù)應用于財務風險管理當中,建立信用風險評級體系,以有效控制商業(yè)銀行的信用風險。
[Abstract]:In the complicated and changeable environment of market economy, commercial banks will face all kinds of risks in the course of operation. At present, the main work of commercial banks is to manage funds, and financial risk has become one of the most important risks faced by commercial banks. Financial risk comes from every link of bank financial operation, which is manifested in capital risk, liquidity risk and so on. Therefore, on the basis of understanding the meaning and importance of financial risk of commercial banks in China, it is of great significance to prevent and control financial risks for commercial banks. By reading and analyzing the domestic and foreign literature, the author uses the literature research method to understand the research trends at home and abroad, draws lessons from the previous research ideas and methods, and adds his own ideas and thoughts and carries out the research. Combined with the case study method, taking the financial risk situation of bank J as an example, this paper puts forward corresponding suggestions on the basis of analyzing the present situation and causes of financial risk management of J bank. In order to strengthen the commercial bank financial risk management and reasonable avoidance of commercial bank financial risk. The first chapter summarizes the domestic and international literature on financial risk management, expounds the significance of the research on the financial risk management of commercial banks, the second chapter discusses the theoretical basis of financial risk management of commercial banks. The theory of financial risk management of commercial banks goes through different stages, which is a gradual improvement process. Chapter three analyzes the financial risks of Bank J in combination with the specific situation of Bank J, and summarizes the management contents of financial risks in Bank J. Chapter four analyzes the problems exposed by J Bank in the financial risk management, and puts forward some suggestions to solve the problems. Chapter five summarizes and prospects the whole article, taking J Bank as an example, the reference significance of the financial risk management of commercial banks is given. The innovation of this paper is that taking J Bank as an example, this paper makes a comprehensive study on the financial risk management of commercial banks in China. As a young enterprise, Bank J is rarely used as a case to analyze the financial risk management of commercial banks. When the author discusses the financial risk management countermeasures of J Bank, there are some innovations in solving the problems. The author puts forward the application of big data technology to the financial risk management and the establishment of credit risk rating system. To effectively control the credit risk of commercial banks.
【學位授予單位】：吉林財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.33;F830.42

【參考文獻】

相關(guān)期刊論文 前2條

1 譚穎;;基于財務視角的商業(yè)銀行風險管理[J];金融經(jīng)濟;2010年18期

2 李潔;;對如何控制商業(yè)銀行財務風險的思考[J];中國商界(下半月);2010年09期

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本文編號：1793186