本文關(guān)鍵詞：我國(guó)中小商業(yè)銀行表外業(yè)務(wù)風(fēng)險(xiǎn)管理研究　出處：《福州大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：隨著我國(guó)市場(chǎng)經(jīng)濟(jì)體系開(kāi)放程度的加大,以及國(guó)家對(duì)金融管制的逐步放開(kāi),表外業(yè)務(wù)逐漸被國(guó)內(nèi)的商業(yè)銀行重視,成為他們推動(dòng)業(yè)務(wù)增長(zhǎng)和提升利潤(rùn)的新增長(zhǎng)點(diǎn)。但表外業(yè)務(wù)的本質(zhì)是非資金金融業(yè)務(wù),金融機(jī)構(gòu)作為中介,利用其自身的信用,為其客戶(hù)提供保證和規(guī)避風(fēng)險(xiǎn)的服務(wù),因此,在監(jiān)管有限的條件下,表外業(yè)務(wù)的潛在風(fēng)險(xiǎn)要遠(yuǎn)大于表內(nèi)業(yè)務(wù)。但是表外業(yè)務(wù)在我國(guó)的發(fā)展時(shí)間較短,盡管近幾年發(fā)展迅速,但在快速發(fā)展的過(guò)程中理論創(chuàng)新和實(shí)踐經(jīng)驗(yàn)的不足的問(wèn)題更加明顯的暴露出來(lái),表外業(yè)務(wù)層次較低,市場(chǎng)份額較小,迫切需要我國(guó)商業(yè)銀行在表外業(yè)務(wù)領(lǐng)域有創(chuàng)新型發(fā)展,特別是中小商業(yè)銀行由于缺乏表外業(yè)務(wù)風(fēng)險(xiǎn)管理體系、內(nèi)部環(huán)境差、監(jiān)管缺失等原因,造成表外業(yè)務(wù)風(fēng)險(xiǎn)有錯(cuò)誤認(rèn)識(shí),潛在風(fēng)險(xiǎn)大、信用風(fēng)險(xiǎn)突出、基層責(zé)任人權(quán)力大等問(wèn)題,導(dǎo)致?lián)３兄Z業(yè)務(wù)違約風(fēng)險(xiǎn)不斷增長(zhǎng),僅靠著收取保證金,即通過(guò)客戶(hù)的信用額度確定保證金比率,這種傳統(tǒng)的方式已難以進(jìn)行有效風(fēng)險(xiǎn)管理。為了更好地為我國(guó)中小商業(yè)銀行在表外業(yè)務(wù)的風(fēng)險(xiǎn)管理的提供參考思路和借鑒案例,幫助中小商業(yè)銀行完善表外業(yè)務(wù)風(fēng)險(xiǎn)管理的體系和流程,本文對(duì)建設(shè)銀行和匯豐銀行的表外業(yè)務(wù)風(fēng)險(xiǎn)管理體系進(jìn)行了學(xué)習(xí)和總結(jié),提煉出其表外業(yè)務(wù)風(fēng)險(xiǎn)管理中的經(jīng)驗(yàn),并形成了一整套的表外業(yè)務(wù)風(fēng)險(xiǎn)管理的理論和實(shí)踐體系,從風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)分析、風(fēng)險(xiǎn)應(yīng)對(duì)、提升風(fēng)險(xiǎn)控制活動(dòng)的力度、加強(qiáng)內(nèi)部監(jiān)察審計(jì)等風(fēng)險(xiǎn)管理程序,及完善表外業(yè)務(wù)風(fēng)險(xiǎn)管理組織機(jī)構(gòu)、加強(qiáng)宣傳風(fēng)險(xiǎn)管理文化,提高從業(yè)人員的素質(zhì),提高表外業(yè)務(wù)的信息傳遞水平、規(guī)范外部監(jiān)管內(nèi)容等內(nèi)外部環(huán)境全方位進(jìn)行解析,提出對(duì)中小商業(yè)銀行表外業(yè)務(wù)風(fēng)險(xiǎn)管理對(duì)策,希望為中小商業(yè)銀行表外業(yè)務(wù)在快速發(fā)展中的風(fēng)險(xiǎn)管理提供改善思路和借鑒案例。
[Abstract]:With the opening up of the market economy system and the gradual liberalization of financial control, off-balance sheet business has gradually been attached importance to by domestic commercial banks. It has become a new growth point for them to promote business growth and increase profits. But the essence of off-balance-sheet business is non-capital financial business, financial institutions as an intermediary, using their own credit. In the condition of limited supervision, the potential risk of off-balance sheet business is much greater than that of in-form business, but the development time of off-balance sheet business in our country is relatively short. Although the rapid development in recent years, but in the rapid development of the process of theoretical innovation and practical experience more obvious problems exposed, off-balance sheet business level is lower, market share is small. China's commercial banks are in urgent need of innovative development in the field of off-balance sheet business, especially small and medium-sized commercial banks due to the lack of off-balance sheet business risk management system, poor internal environment, lack of supervision and other reasons. Causes the off-balance sheet business risk has the wrong understanding, the potential risk is big, the credit risk prominent, the basic-level responsible person authority is big and so on, causes the guarantee commitment business default risk to increase unceasingly, only relies on the collection margin. That is, through the customer's credit line to determine the margin ratio. This kind of traditional way has been difficult to carry on the effective risk management. In order to provide the reference train of thought and the reference case for the risk management of the small and medium-sized commercial bank in the off-balance sheet business of our country better. To help small and medium-sized commercial banks improve the risk management system and process of off-balance sheet business, this paper studies and summarizes the risk management system of off-balance sheet business of China Construction Bank and HSBC. Abstract its off-balance sheet business risk management experience, and form a set of off-balance sheet business risk management theory and practice system, from risk identification, risk analysis, risk response, enhance risk control activities. Strengthen the risk management procedures such as internal supervision and audit, improve the risk management organization of off-balance sheet business, strengthen the promotion of risk management culture, improve the quality of employees, improve the level of information transmission of off-balance sheet business. To standardize the content of external supervision and other internal and external environment analysis, put forward the small and medium-sized commercial banks off-balance sheet business risk management countermeasures. It is hoped that this paper will provide some ideas for improving the risk management of off-balance-sheet business in the rapid development of small and medium-sized commercial banks and use for reference cases.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2

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