本文選題：M銀行 + 銀行操作風(fēng)險(xiǎn)��； 參考：《遼寧大學(xué)》2012年碩士論文

【摘要】：M銀行是金融體系的支柱,是國民經(jīng)濟(jì)的命脈,也是國家金融業(yè)重要的組成部分。M銀行的業(yè)務(wù)流程設(shè)計(jì)與管理如何,將直接關(guān)系到銀行甚至整個(gè)金融體系的穩(wěn)定以及國民經(jīng)濟(jì)的健康發(fā)展。雖然我國金融業(yè)國際接軌的程度相對(duì)較低,國際上發(fā)生的金融危機(jī)對(duì)我國M銀行未形成致命的打擊。我國正處于經(jīng)濟(jì)轉(zhuǎn)型的過程中,各類銀行如雨后春筍,在各個(gè)大中小城市不斷地出現(xiàn),并呈現(xiàn)出了激烈競(jìng)爭(zhēng)和跑馬圈地的擴(kuò)張態(tài)勢(shì)。由于銀行與銀行之間相互聯(lián)動(dòng),相互影響,一旦出現(xiàn)局部以及關(guān)聯(lián)風(fēng)險(xiǎn),危機(jī)就會(huì)迅速波及到整個(gè)金融體系,從而影響整個(gè)國民經(jīng)濟(jì)的健康發(fā)展和社會(huì)的安定。東南亞危機(jī)導(dǎo)致的泰國的政治變革,美國次貸危機(jī)造成的全球股市大幅下跌,并且愈演愈烈成為全球金融危機(jī)；這些事實(shí)都說明了銀行業(yè)的風(fēng)險(xiǎn)危害范圍和影響深度是巨大的。 本文研究意義： 近些年,銀行監(jiān)管機(jī)構(gòu)和國際銀行業(yè)越來越重視和防范操作風(fēng)險(xiǎn),在關(guān)注商業(yè)銀行的市場(chǎng)風(fēng)險(xiǎn)和信用風(fēng)險(xiǎn)的同時(shí)。巴塞爾銀行監(jiān)管委員會(huì)在《新資本協(xié)議》中,對(duì)商業(yè)銀行的操作風(fēng)險(xiǎn)提出了新的資本監(jiān)管的要求,而且是繼市場(chǎng)風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)這兩個(gè)風(fēng)險(xiǎn)之后,本文對(duì)于銀行業(yè)操作風(fēng)險(xiǎn)管理的研究和實(shí)踐具有一定的參考價(jià)值和意義。 本文研究所采用的方法： 論文形式為案例研究。涉及的方法包括：規(guī)范研究法、綜合分析法、案例法。 本文最后得出的結(jié)論： 隨著金融衍生品業(yè)務(wù)的發(fā)展迅速,銀行業(yè)務(wù)量的不斷加大,商業(yè)銀行業(yè)務(wù)類型的不斷增多,其操作風(fēng)險(xiǎn)也隨著加大。本文基于標(biāo)準(zhǔn)化流程出發(fā),根據(jù)我國的實(shí)際情況,以M銀行某分行為例,對(duì)當(dāng)前銀行在經(jīng)營過程中的風(fēng)險(xiǎn)管理的一些問題進(jìn)行了探討。針對(duì)提出的案例,本文對(duì)M銀行操作風(fēng)險(xiǎn)的主要方面進(jìn)行了梳理與分析,對(duì)M銀行操作風(fēng)險(xiǎn)進(jìn)行了概述,對(duì)我國M銀行的經(jīng)營現(xiàn)狀和經(jīng)過過程的操作風(fēng)險(xiǎn)問題進(jìn)行分類闡述,分析了這些風(fēng)險(xiǎn)事件問題產(chǎn)生的原因,進(jìn)一步地提出了基于標(biāo)準(zhǔn)化流程的完善和加強(qiáng)M銀行操作風(fēng)險(xiǎn)管理的對(duì)策。即通過業(yè)務(wù)流程的重構(gòu),將操作風(fēng)險(xiǎn)的監(jiān)控流程與銀行業(yè)務(wù)流程建立其有效的銜接,實(shí)現(xiàn)可支持識(shí)別、分析與評(píng)價(jià)操作風(fēng)險(xiǎn)的動(dòng)態(tài)管理過程。
[Abstract]:M Bank is the pillar of the financial system and the lifeblood of the national economy. It is also an important part of the national financial industry. How to design and manage the business process of the bank. It will have a direct bearing on the stability of the banking system and the healthy development of the national economy. Although the degree of international integration of China's financial industry is relatively low, the international financial crisis has not formed a fatal blow to China's M Bank. Our country is in the process of economic transformation, all kinds of banks are springing up in every big, medium and small cities, and showing the fierce competition and the expanding situation of running horses. As banks and banks interact with each other, once there are local and associated risks, the crisis will quickly spread to the entire financial system, thus affecting the healthy development of the entire national economy and social stability. The political change in Thailand caused by the Southeast Asian crisis and the sharp drop in global stock market caused by the U.S. subprime mortgage crisis and the growing global financial crisis all show that the scope and depth of the banking risks are enormous. The significance of this paper: in recent years, bank regulators and international banks pay more and more attention to operational risks, while paying close attention to the market risk and credit risk of commercial banks. In the New Capital Accord, the Basel Committee on Banking Supervision put forward new requirements of capital supervision on the operational risk of commercial banks, and after the two risks of market risk and credit risk, This article has certain reference value and significance to the banking operation risk management research and the practice. The method used in this paper is case study. The methods involved include: normative research method, comprehensive analysis method, case law. The conclusion of this paper is as follows: with the rapid development of financial derivatives business, the volume of banking business is increasing, the types of commercial bank business is increasing, and the operational risk is also increasing. Based on the standardization process and according to the actual situation of our country, this paper takes a branch of M Bank as an example to discuss some problems of risk management in the course of operation. In this paper, the main aspects of M bank operational risk are combed and analyzed, the M bank operational risk is summarized, and the operation status of M bank in China and the operational risk problems through the process are classified and expounded. This paper analyzes the causes of these risk events, and further puts forward the countermeasures to improve the operation risk management based on the standardization process and to strengthen the operation risk management of M Bank. That is, through the reconfiguration of business process, the monitoring process of operational risk and the business process of bank can be effectively linked to realize the dynamic management process that can support identification, analysis and evaluation of operational risk.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33

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本文編號(hào)：2079790