【摘要】：風(fēng)險的管理、控制和防范一直是銀行等金融機(jī)構(gòu)普遍關(guān)心的問題。特別是2007年美國次貸危機(jī)爆發(fā)以來，銀行的風(fēng)險控制問題迅速受到了更為廣泛的關(guān)注。全國性股份制商業(yè)銀行是我國商業(yè)銀行的一個群體，在我國商業(yè)銀行中具有代表性，其規(guī)模在我國屬于中等銀行，是我國中小型商業(yè)銀行的主要力量，占據(jù)一定的市場份額并迅速擴(kuò)張，對我國經(jīng)濟(jì)社會發(fā)展發(fā)揮著積極作用。相對于大型國有銀行而言，這個群體的資本和經(jīng)營基礎(chǔ)顯得比較薄弱，抵抗風(fēng)險能力也較差。為了提前預(yù)測，及時發(fā)現(xiàn)這一銀行群體可能發(fā)生的財務(wù)風(fēng)險，以便及時采取有針對性的措施加以防范，本文以本人供職的某全國性股份制商業(yè)銀行分行為研究對象，基于財務(wù)結(jié)構(gòu)基礎(chǔ)上，研究全國性股份制商業(yè)銀行財務(wù)風(fēng)險控制問題，為此類銀行改進(jìn)管理工作提供借鑒和參考。 本文以分析研究對象為基礎(chǔ)，，對全國性股份制商業(yè)銀行這一特定群體進(jìn)行對比分析，研究和探索特定銀行財務(wù)結(jié)構(gòu)和財務(wù)風(fēng)險之間的關(guān)系，并根據(jù)監(jiān)管要求和全國性股份制商業(yè)銀行自身發(fā)展的特點(diǎn)，借鑒國外財務(wù)風(fēng)險控制評價機(jī)制的方法，選取一套針對特定范圍銀行的財務(wù)指標(biāo)，確定權(quán)重并進(jìn)行評分分類，建立一套以財務(wù)指標(biāo)為依據(jù)的財務(wù)風(fēng)險評價方法。 通過對財務(wù)風(fēng)險評價方法的應(yīng)用，能夠清晰的表現(xiàn)研究對象存在的可能發(fā)生風(fēng)險的問題以及與行業(yè)平均水平的差距，對及時有效的采取措施解決問題，規(guī)避風(fēng)險有重要意義。
[Abstract]:Risk management, control and prevention has been a common concern of banks and other financial institutions. Especially since the subprime mortgage crisis broke out in 2007, the bank risk control problem has been paid more and more attention. The national joint-stock commercial bank is a group of commercial banks in our country, which is representative in our country. Its scale belongs to the medium bank in our country, and it is the main force of the small and medium-sized commercial bank in our country. Occupy a certain market share and expand rapidly, play a positive role in our country's economic and social development. Compared with large state-owned banks, the capital and operating base of this group is weak and their ability to resist risks is poor. In order to forecast in advance, discover the financial risk that this bank group may occur in time, in order to take the targeted measures to prevent in time, this article takes a national joint-stock commercial bank branch that I work for as the research object. Based on the financial structure, this paper studies the financial risk control of national joint-stock commercial banks, and provides reference for improving the management of such banks. Based on the analysis of the research object, this paper makes a comparative analysis of the national joint-stock commercial banks as a specific group, and studies and explores the relationship between the financial structure and financial risks of the specific banks. According to the regulatory requirements and the characteristics of the development of the national joint-stock commercial banks, and using the methods of foreign financial risk control and evaluation mechanism, select a set of financial indicators for a specific range of banks, determine the weight and score classification. To establish a set of financial risk evaluation method based on financial indicators. Through the application of the financial risk evaluation method, it can clearly express the possible risk problems existing in the research object and the gap with the average level of the industry. It is of great significance to take timely and effective measures to solve the problem and avoid the risk.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F830.42

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 萬楚婕;景德鎮(zhèn)市A銀行財務(wù)風(fēng)險管理研究[D];南昌大學(xué);2013年

本文編號：2355844