我國商業(yè)銀行中間業(yè)務(wù)風險管理研究
發(fā)布時間：2018-09-03 14:04
【摘要】： 金融業(yè)對外開放,傳統(tǒng)借貸業(yè)務(wù)的利潤空間壓縮,迫使我國銀行業(yè)必須發(fā)展中間業(yè)務(wù),以提高競爭力和獲得利潤。中間業(yè)務(wù)的發(fā)展水平已成為商業(yè)銀行發(fā)展水平的重要標志。在此背景下,近年來我國的商業(yè)銀行業(yè)逐漸意識到了中間業(yè)務(wù)的重要性,越來越多的商業(yè)銀行,把中間業(yè)務(wù)作為今后銀行發(fā)展的方向,中間業(yè)務(wù)有了快速發(fā)展。當然我國商業(yè)銀行中間業(yè)務(wù)起步晚、起點低,中間業(yè)務(wù)的各方面還很不成熟,跟國際先進銀行相比,無論在業(yè)務(wù)開展還是風險管理上都還有很大差距,在處理兩者關(guān)系上更是缺乏經(jīng)驗。 而且由于長期以來在我國銀行占主導地位的中間業(yè)務(wù)都是傳統(tǒng)的擔保類、代理類業(yè)務(wù),一直存在所有中間業(yè)務(wù)都低風險、無風險的誤區(qū),使得商業(yè)銀行對中間業(yè)務(wù)的風險管理重視不夠,存在諸多問題。本文試圖從中間業(yè)務(wù)的發(fā)展趨勢入手,借鑒了西方商業(yè)銀行對風險管理的先進經(jīng)驗,充分利用了巴塞爾銀行監(jiān)管委員會對中間業(yè)務(wù)發(fā)展的研究成果,并結(jié)合實際,對我國商業(yè)銀行中間業(yè)務(wù)風險管理上的問題作了有益的探索。最后嘗試建立中間業(yè)務(wù)風險內(nèi)控機制,并就如何完善商業(yè)銀行外部監(jiān)控體系進行了探討。
[Abstract]:The opening to the outside world of the financial industry and the compression of the profit space of the traditional lending business force the banks of our country to develop intermediate business in order to improve their competitiveness and gain profits. The development level of intermediary business has become an important symbol of the development level of commercial banks. Under this background, in recent years, the commercial banking of our country has gradually realized the importance of intermediate business, more and more commercial banks regard intermediate business as the direction of bank development in the future, and intermediate business has developed rapidly. Of course, the intermediary business of commercial banks in our country started late, the starting point is low, and all aspects of the intermediate business are still immature. Compared with the international advanced banks, there is still a big gap in business development and risk management. In handling the relationship between the two is more inexperienced. And because of the traditional guarantee and agency business, which is the dominant intermediary business in our country for a long time, there has been a misunderstanding that all intermediary business has low risk and no risk. It makes commercial banks pay less attention to risk management of intermediary business, and there are many problems. This paper tries to start with the development trend of intermediary business, draw lessons from the advanced experience of western commercial banks on risk management, make full use of the research results of Basel Committee on Banking Supervision on the development of intermediate business, and combine with the practice. This paper makes a beneficial exploration on the risk management of the intermediate business of commercial banks in our country. Finally, it tries to establish the internal control mechanism of intermediate business risk, and discusses how to perfect the external monitoring system of commercial banks.
【學位授予單位】：蘇州大學
【學位級別】：碩士
【學位授予年份】：2008
【分類號】：F832.2
本文編號：2220187
[Abstract]:The opening to the outside world of the financial industry and the compression of the profit space of the traditional lending business force the banks of our country to develop intermediate business in order to improve their competitiveness and gain profits. The development level of intermediary business has become an important symbol of the development level of commercial banks. Under this background, in recent years, the commercial banking of our country has gradually realized the importance of intermediate business, more and more commercial banks regard intermediate business as the direction of bank development in the future, and intermediate business has developed rapidly. Of course, the intermediary business of commercial banks in our country started late, the starting point is low, and all aspects of the intermediate business are still immature. Compared with the international advanced banks, there is still a big gap in business development and risk management. In handling the relationship between the two is more inexperienced. And because of the traditional guarantee and agency business, which is the dominant intermediary business in our country for a long time, there has been a misunderstanding that all intermediary business has low risk and no risk. It makes commercial banks pay less attention to risk management of intermediary business, and there are many problems. This paper tries to start with the development trend of intermediary business, draw lessons from the advanced experience of western commercial banks on risk management, make full use of the research results of Basel Committee on Banking Supervision on the development of intermediate business, and combine with the practice. This paper makes a beneficial exploration on the risk management of the intermediate business of commercial banks in our country. Finally, it tries to establish the internal control mechanism of intermediate business risk, and discusses how to perfect the external monitoring system of commercial banks.
【學位授予單位】：蘇州大學
【學位級別】：碩士
【學位授予年份】：2008
【分類號】：F832.2
【引證文獻】
相關(guān)碩士學位論文 前2條
1 韓亮;我國商業(yè)銀行中間業(yè)務(wù)風險法律規(guī)制研究[D];鄭州大學;2010年
2 鄭婧;我國商業(yè)銀行發(fā)展中間業(yè)務(wù)分析[D];山東大學;2012年
，本文編號：2220187
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