發(fā)布時(shí)間：2018-05-07 11:47

  本文選題：欺詐風(fēng)險(xiǎn) + 商業(yè)銀行��； 參考：《云南大學(xué)》2014年碩士論文

【摘要】：近年來,隨著全球經(jīng)濟(jì)一體化速度的不斷加快,銀行經(jīng)營規(guī)模和交易范圍的不斷擴(kuò)大,商業(yè)銀行的操作風(fēng)險(xiǎn)問題也日益凸顯。就我國而言,有關(guān)我國銀行業(yè)涉及金融票據(jù)詐騙、內(nèi)部人員挪用資金、內(nèi)部人員收受賄賂等違法行為的新聞時(shí)有曝出,這對(duì)我國經(jīng)濟(jì)的穩(wěn)定增長和社會(huì)的和諧發(fā)展造成了巨大損害。由此可見,欺詐風(fēng)險(xiǎn)對(duì)國內(nèi)商業(yè)銀行的影響力、破壞力不容小覷,欺詐風(fēng)險(xiǎn)也儼然成為我國商業(yè)銀行面臨的主要操作風(fēng)險(xiǎn)。因此,防范和控制欺詐風(fēng)險(xiǎn)成為當(dāng)前商業(yè)銀行提高綜合管理水平和質(zhì)量、提高大眾對(duì)我國商業(yè)銀行信心的重要課題。 本文首先在回顧國內(nèi)外經(jīng)典文獻(xiàn)的基礎(chǔ)上,詳細(xì)闡述了行為金融理論、全面風(fēng)險(xiǎn)管理理論及內(nèi)部控制理論等與欺詐風(fēng)險(xiǎn)相關(guān)的理論。其次,立足于我國商業(yè)銀行的現(xiàn)實(shí)背景,運(yùn)用定性分析與定量分析相結(jié)合的方法對(duì)我國商業(yè)銀行欺詐風(fēng)險(xiǎn)的現(xiàn)狀進(jìn)行了深入分析。在此基礎(chǔ)上,對(duì)我國商業(yè)銀行欺詐風(fēng)險(xiǎn)的相關(guān)概念進(jìn)行了闡述,進(jìn)一步總結(jié)出我國商業(yè)銀行欺詐風(fēng)險(xiǎn)的發(fā)展趨勢。最后,采用案例分析法,選取典型的外部欺詐和內(nèi)部欺詐案例進(jìn)行了實(shí)證解析,進(jìn)而提出了我國商業(yè)銀行防范與應(yīng)對(duì)欺詐風(fēng)險(xiǎn)的相關(guān)對(duì)策建議。
[Abstract]:In recent years, with the acceleration of the speed of global economic integration and the expansion of the scale and trading scope of banks, the operational risks of commercial banks have become increasingly prominent. As far as our country is concerned, the news that the banking industry of our country involves financial bill fraud, embezzlement of funds by insiders, accepting bribes by insiders, and so on, has been exposed from time to time. This has caused great damage to the stable growth of our economy and harmonious development of society. It can be seen from this that the influence of fraud risk on domestic commercial banks can not be underestimated, and fraud risk has become the main operational risk faced by commercial banks in China. Therefore, the prevention and control of fraud risk has become an important issue for commercial banks to improve the level and quality of comprehensive management and improve public confidence in commercial banks in China. On the basis of reviewing the classical literature at home and abroad, this paper elaborates the theories of behavioral finance, comprehensive risk management and internal control, which are related to fraud risk. Secondly, based on the realistic background of commercial banks in our country, the paper makes a deep analysis of the present situation of fraud risk of commercial banks in China by combining qualitative analysis with quantitative analysis. On this basis, the related concepts of fraud risk of commercial banks in China are expounded, and the development trend of fraud risk of commercial banks in China is summarized. Finally, using the case analysis method, select the typical cases of external fraud and internal fraud for empirical analysis, and then put forward the commercial banks of our country to prevent and deal with the risk of fraud related countermeasures.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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