發(fā)布時(shí)間：2018-01-22 21:33

  本文關(guān)鍵詞： 商業(yè)銀行 理財(cái)業(yè)務(wù) 風(fēng)險(xiǎn)管理　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：國內(nèi)商業(yè)銀行理財(cái)業(yè)務(wù)自2004年正式拉開序幕后一直保持著迅猛發(fā)展的態(tài)勢,規(guī)模從無到有,從小到大�；仡櫴陙淼陌l(fā)展,商業(yè)銀行理財(cái)產(chǎn)品連通了投資與融資、連通了客戶的多樣化需求與銀行的創(chuàng)新沖動、連通了銀行內(nèi)部全流程再造的各個(gè)節(jié)點(diǎn),是我國利率市場化和資產(chǎn)證券化發(fā)展進(jìn)程緩慢,企業(yè)直接融資市場欠發(fā)達(dá)和投資者投資渠道匱乏的背景下,銀行創(chuàng)新的產(chǎn)物,銀行理財(cái)產(chǎn)品也已成為投資者資產(chǎn)配置的重要組成部分以及商業(yè)銀行的主要業(yè)務(wù)品種,并在波動的市場環(huán)境中為投資者帶來了持續(xù)的實(shí)實(shí)在在的投資收益回報(bào)。但是,在規(guī)�？焖侔l(fā)展的同時(shí),也逐步暴露出了商業(yè)銀行在理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理方面的種種問題和不足,面對監(jiān)管要求的提高、市場環(huán)境的變化、銀行內(nèi)部管理的需要,現(xiàn)有理財(cái)業(yè)務(wù)的風(fēng)險(xiǎn)管理措施已有些跟不上業(yè)務(wù)的發(fā)展和創(chuàng)新,需要不斷改進(jìn)和完善。本文研究的對象A銀行,屬于我國銀行理財(cái)業(yè)務(wù)的先驅(qū),通過多年的發(fā)展建立了比較豐富的產(chǎn)品線和自身的風(fēng)險(xiǎn)管理方法,但由于A銀行在理財(cái)業(yè)務(wù)開展中主要側(cè)重業(yè)務(wù)發(fā)展,對風(fēng)險(xiǎn)管理的重視程度和精細(xì)化程度不夠,使其在理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理方面存在著組織架構(gòu)不夠獨(dú)立、風(fēng)險(xiǎn)管理手段不健全等問題。本文采用調(diào)查法、觀察法、文獻(xiàn)研究法、定量分析法、定性分析法、經(jīng)驗(yàn)總結(jié)法等,通過分析A銀行理財(cái)業(yè)務(wù)數(shù)據(jù),研究A銀行理財(cái)業(yè)務(wù)基本情況和現(xiàn)有管理模式,結(jié)合相關(guān)理論研究文獻(xiàn)和國內(nèi)外理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理經(jīng)驗(yàn),深入分析A銀行在理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理中存在的問題和成因,探索現(xiàn)有模式的改進(jìn)方向,提出具體改進(jìn)方法：一是從部門處室設(shè)置、人員考核機(jī)制、風(fēng)險(xiǎn)管理流程方面提出完善理財(cái)業(yè)務(wù)組織架構(gòu)的建議；二是按照“突出流動性風(fēng)險(xiǎn)、注重操作風(fēng)險(xiǎn)、細(xì)化信用風(fēng)險(xiǎn)、盯緊市場風(fēng)險(xiǎn)”的思路提出具體風(fēng)險(xiǎn)類別的管控方法和限額指標(biāo)設(shè)置；三是從資產(chǎn)、產(chǎn)品、交易、數(shù)據(jù)、風(fēng)險(xiǎn)等五大板塊提出系統(tǒng)整合與優(yōu)化措施,具有比較豐富的理論貢獻(xiàn)和較強(qiáng)的可操作性。在當(dāng)前的市場環(huán)境下,本文研究對象A銀行存在的很多問題也是行業(yè)共性問題,因此本文提出的解決方案對整個(gè)行業(yè)來講也有重要的參考借鑒作用。
[Abstract]:Since 2004, the domestic commercial bank financial management business has been maintaining a rapid development trend, scale from nothing to have, from small to large. Review the development of the past ten years. The financial products of commercial banks connect the investment and financing, the diversified needs of customers and the innovation impulse of the banks, and the nodes of the whole process reengineering within the banks. It is the product of bank innovation under the background of the slow development of interest rate marketization and asset securitization, the underdevelopment of enterprise direct financing market and the lack of investors' investment channels. Banking financial products have also become an important part of the asset allocation of investors as well as the main business types of commercial banks. And in the volatile market environment for investors to bring sustained real return on investment. However, in the rapid development of scale at the same time. Also gradually exposed the commercial banks in financial management business risk management problems and deficiencies, facing the regulatory requirements, market environment changes, banks internal management needs. The existing risk management measures of financial management business can not keep up with the development and innovation of the business, and need to be improved and improved constantly. Bank A, the object of this paper, is a pioneer of banking financial management business in China. Through the development of many years, we have established a relatively rich product line and its own risk management methods, but A bank mainly focuses on business development in the development of financial services. The degree of attention to risk management and the degree of refinement is not enough, which makes the risk management of financial management not independent of the organizational structure, risk management methods are not perfect. This paper adopts the method of investigation and observation. Literature research method, quantitative analysis method, qualitative analysis method, experience summary method and so on, through the analysis A bank financial management business data, studies A bank financial management service basic situation and the present management pattern. Combined with relevant theoretical research literature and domestic and international financial management business risk management experience, in-depth analysis of bank A in financial management business risk management problems and causes, explore the existing mode of improvement. Put forward the specific improvement methods: first, from the department office setup, personnel assessment mechanism, risk management process to improve the organizational structure of financial management proposals; Second, according to the idea of "highlight liquidity risk, pay attention to operational risk, refine credit risk, focus on market risk", put forward the specific risk control method and quota index setting; Third, from the assets, products, transactions, data, risk and other five plates to put forward the system integration and optimization measures, with relatively rich theoretical contributions and strong operability. In the current market environment. Many problems in Bank A are also common problems, so the solutions proposed in this paper also have an important reference for the whole industry.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F272.3;F832.2

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 李驍;我國商業(yè)銀行理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)防范研究[D];山西財(cái)經(jīng)大學(xué);2016年

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本文編號：1455784