本文關(guān)鍵詞：商業(yè)銀行綜合業(yè)務(wù)系統(tǒng)操作風(fēng)險(xiǎn)控制體系　出處：《山東大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 綜合業(yè)務(wù)系統(tǒng) 操作風(fēng)險(xiǎn) 防控體系

【摘要】：操作風(fēng)險(xiǎn)至始至終是我們國家的商業(yè)銀行面臨的主要風(fēng)險(xiǎn)之一。上世紀(jì)90年代以來,國內(nèi)外商業(yè)銀行頻繁發(fā)生操作風(fēng)險(xiǎn)案件并造成不同程度的經(jīng)濟(jì)損失,使其受到金融業(yè)和各國政府高度重視。新資本協(xié)議(2004)正式將操作風(fēng)險(xiǎn)作為重點(diǎn)內(nèi)容納入資本監(jiān)管范疇,中國銀行業(yè)監(jiān)督管理委員會也將商業(yè)銀行的操作風(fēng)險(xiǎn)管理提上正式納入監(jiān)管重點(diǎn),我國商業(yè)銀行的發(fā)展和金融市場穩(wěn)定必須要有效地對操作風(fēng)險(xiǎn)進(jìn)行科學(xué)防范和控制。目前我國商業(yè)銀行對操作風(fēng)險(xiǎn)的探索和研究處于起步階段,商業(yè)銀行操作風(fēng)險(xiǎn)事件頻頻發(fā)生,嚴(yán)重?fù)p害了銀行業(yè)的社會形象、銀行經(jīng)營和金融市場。2007年5月,中國銀監(jiān)會在《商業(yè)銀行操作風(fēng)險(xiǎn)管理指引》中對操作風(fēng)險(xiǎn)的定義是指由不完善或有問題的內(nèi)部程序、員工和信息科技系統(tǒng),以及外部事件所造成可能損失的風(fēng)險(xiǎn)。因此,信息科技系統(tǒng)能否穩(wěn)定運(yùn)行是當(dāng)前銀行操作風(fēng)險(xiǎn)的重要因素。近年來,商業(yè)銀行信息化建設(shè)和科技水平得到進(jìn)一步提高,信息科技基礎(chǔ)設(shè)施、環(huán)境得到進(jìn)一步優(yōu)化,核心系統(tǒng)升級換代,電子渠道進(jìn)一步豐富,有力地支撐力商業(yè)銀行的業(yè)務(wù)創(chuàng)新和快速發(fā)展。伴隨著商業(yè)銀行信息化建設(shè)水平的提高,操作風(fēng)險(xiǎn)也呈現(xiàn)出了上升的趨勢,如何降低操作風(fēng)險(xiǎn)已經(jīng)成為當(dāng)前一個重要課題。本課題主要研究了以下兩個問題：一是結(jié)合商業(yè)銀行的現(xiàn)狀及特點(diǎn),建立一套適合當(dāng)前城市商業(yè)銀行操作風(fēng)險(xiǎn)管理的,涵蓋事前防范、事中控制和事后監(jiān)督整個業(yè)務(wù)流程的,基于信息系統(tǒng)的全面風(fēng)險(xiǎn)防控體系；二是以商業(yè)銀行全面操作風(fēng)險(xiǎn)防控體系研究為基礎(chǔ),結(jié)合商業(yè)銀行事前風(fēng)險(xiǎn)防范、事中風(fēng)險(xiǎn)控制和事后風(fēng)險(xiǎn)監(jiān)督的全面操作風(fēng)險(xiǎn)防控機(jī)制,通過多種風(fēng)險(xiǎn)防控信息系統(tǒng)的建設(shè),實(shí)現(xiàn)與商業(yè)銀行綜合業(yè)務(wù)系統(tǒng)的無縫銜接,構(gòu)建起基于綜合業(yè)務(wù)系統(tǒng)的操作風(fēng)險(xiǎn)管理體系和架構(gòu)。本課題的創(chuàng)新點(diǎn)就在“從信息系統(tǒng)的角度整體構(gòu)建商業(yè)銀行操作風(fēng)險(xiǎn)防控體系”,通過對商業(yè)銀行操作風(fēng)險(xiǎn)管理理論的分析,結(jié)合商業(yè)銀行操作風(fēng)險(xiǎn)管理現(xiàn)狀,提出了基于信息系統(tǒng)的操作風(fēng)險(xiǎn)防控體系,并通過山東城商行聯(lián)盟綜合業(yè)務(wù)系統(tǒng)進(jìn)行充分實(shí)現(xiàn),在當(dāng)前風(fēng)險(xiǎn)防控流程的基礎(chǔ)上,逐步實(shí)現(xiàn)全面的操作風(fēng)險(xiǎn)控制,最大程度地滿足商業(yè)銀行業(yè)務(wù)發(fā)展對信息技術(shù)的要求。
[Abstract]:Operational risk is one of the main risks faced by our country's commercial banks from the beginning to the end. Since -10s, domestic and foreign commercial banks have frequently occurred operational risk cases and caused varying degrees of economic losses. So that it is highly valued by the financial industry and governments. The new capital agreement 2004) formally put operational risk as the key content into the scope of capital supervision. The China Banking Regulatory Commission has also put the operational risk management of commercial banks into the regulatory focus. The development of China's commercial banks and the stability of the financial market must effectively prevent and control the operational risks. At present, the exploration and research on the operational risks of commercial banks in China is in its infancy. The frequent occurrence of operational risks in commercial banks has seriously damaged the social image of the banking industry, banking operations and financial markets. May 2007. The CBRC defines operational risk in the operational risk Management guidelines for Commercial Banks as internal procedures, staff and information technology systems that are imperfect or problematic. And the risk of possible loss caused by external events. Therefore, the stable operation of information technology systems is an important factor in the current operational risk of banks. The information construction of commercial banks and the level of science and technology have been further improved, the information technology infrastructure and environment have been further optimized, the core system has been upgraded and the electronic channels have been further enriched. With the improvement of the level of information construction of commercial banks, the operational risk has also shown an upward trend. How to reduce the operational risk has become an important issue. This paper mainly studies the following two issues: first, combining the current situation and characteristics of commercial banks. To establish a comprehensive risk prevention and control system based on information system, which is suitable for the operation risk management of the city commercial banks at present, including prevention beforehand, controlling and supervising the whole business process after the event; The second is based on the study of comprehensive operational risk prevention and control system of commercial banks, combined with commercial bank pre-risk prevention, risk control and post-event risk supervision of the overall operational risk prevention and control mechanism. Through the construction of a variety of risk prevention and control information system, we can realize the seamless connection with the commercial bank integrated business system. Build the operational risk management system and framework based on the integrated business system. The innovation of this topic is to "build a commercial bank operational risk prevention and control system from the perspective of information system". Based on the analysis of the operational risk management theory of commercial banks and the current situation of operational risk management in commercial banks, the operational risk prevention and control system based on information system is put forward. And through the Shandong City Commercial Bank Alliance integrated business system to fully realize, in the current risk prevention and control process based on the gradual realization of comprehensive operational risk control. To the greatest extent to meet the business development of commercial banks information technology requirements.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2;TP315

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本文編號：1407193