【摘要】：金融是現(xiàn)代經(jīng)濟(jì)的樞紐,商業(yè)銀行作為現(xiàn)代金融體系的核心,發(fā)揮著資源配置、供求調(diào)節(jié)、價(jià)值發(fā)現(xiàn)、風(fēng)險(xiǎn)分擔(dān)、信息傳遞等許多社會(huì)經(jīng)濟(jì)功能。而中小商業(yè)銀行具有機(jī)制靈活、決策快速、經(jīng)營(yíng)高效等特點(diǎn)和優(yōu)勢(shì),與大型商業(yè)銀行展開錯(cuò)位競(jìng)爭(zhēng),找到了自己的生存和發(fā)展空間,日漸成為現(xiàn)代銀行體系不可或缺的重要組成部分。風(fēng)險(xiǎn)管理是商業(yè)銀行尤其是中小商業(yè)銀行的永恒主題。隨著我國(guó)銀行業(yè)的全面深化改革與開放,同業(yè)間競(jìng)爭(zhēng)愈趨激烈,商業(yè)銀行面臨的各類風(fēng)險(xiǎn)不斷增多,操作風(fēng)險(xiǎn)便是其中最常見但又不易于控制的重要風(fēng)險(xiǎn)之一。由于中小商業(yè)銀行在規(guī)模、體制、人員素質(zhì)、管理方式等方面不同于大型商業(yè)銀行,其操作風(fēng)險(xiǎn)的表現(xiàn)形式、成因、危害程度、計(jì)量工具、控制手段有很大的特殊性。因此,選擇中小商業(yè)銀行的操作風(fēng)險(xiǎn)管理作為研究課題,具有重要的理論價(jià)值和現(xiàn)實(shí)意義。本文是按“風(fēng)險(xiǎn)識(shí)別→風(fēng)險(xiǎn)評(píng)價(jià)→風(fēng)險(xiǎn)測(cè)度→風(fēng)險(xiǎn)應(yīng)對(duì)”這一風(fēng)險(xiǎn)管理基本程序展開的,共分為七個(gè)部分,主要內(nèi)容如下:第一部分“導(dǎo)論”的主要內(nèi)容:一是闡明本文的選題背景和研究意義;二是回顧國(guó)內(nèi)外研究現(xiàn)狀,并進(jìn)行評(píng)述;三是介紹本文的研究?jī)?nèi)容、方法和思路。第二部分“本文研究相關(guān)理論基礎(chǔ)”的主要內(nèi)容:一是界定了中小銀行、操作風(fēng)險(xiǎn)、中小銀行操作風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)管理程序四個(gè)基本概念;二是闡述了商業(yè)銀行管理理論、風(fēng)險(xiǎn)管理理論和內(nèi)部控制理論三個(gè)基本理論。第三部分“我國(guó)中小銀行操作風(fēng)險(xiǎn)敞口及成因”的主要內(nèi)容:一是分析了我國(guó)中小銀行操作風(fēng)險(xiǎn)敞口;二是探明了我國(guó)中小銀行操作風(fēng)險(xiǎn)成因。第四部分“我國(guó)中小銀行操作風(fēng)險(xiǎn)因子的危害性評(píng)價(jià)”的主要內(nèi)容:一是介紹了評(píng)價(jià)方法(G1法);二是評(píng)價(jià)因子分析(中小銀行操作風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系的建立);三是評(píng)價(jià)過程及結(jié)果。第五部分“中小銀行操作風(fēng)險(xiǎn)測(cè)度方法”的主要內(nèi)容:一是介紹了商業(yè)銀行操作風(fēng)險(xiǎn)測(cè)度方法的演變及選擇;二是論述了基本指標(biāo)法在我國(guó)中小銀行的實(shí)際應(yīng)用;三是論述了收入模型法在我國(guó)中小銀行的實(shí)際應(yīng)用;四是操作風(fēng)險(xiǎn)測(cè)度方法應(yīng)用要解決的關(guān)鍵問題。第六部分“中小銀行操作風(fēng)險(xiǎn)應(yīng)對(duì)策略”的主要內(nèi)容:一是操作風(fēng)險(xiǎn)的事前防范手段;二是操作風(fēng)險(xiǎn)的事中控制工具;三是操作風(fēng)險(xiǎn)的事后化解藝術(shù)。第七部分“結(jié)論”的主要內(nèi)容:一是總結(jié)了本文的主要觀點(diǎn);二是疏理了本文的創(chuàng)新點(diǎn);三是指出了本文的研究不足,并對(duì)未來研究進(jìn)行了展望。
[Abstract]:Finance is the hub of modern economy. As the core of modern financial system, commercial banks play a lot of social and economic functions, such as resource allocation, supply and demand regulation, value discovery, risk sharing, information transmission and so on. The small and medium-sized commercial banks have the characteristics and advantages of flexible mechanism, rapid decision-making, efficient management, and so on. They compete misplaced with large commercial banks and find their own survival and development space. Increasingly, it has become an integral part of the modern banking system. Risk management is the eternal theme of commercial banks, especially small and medium-sized commercial banks. With the deepening of the reform and opening of China's banking industry, the competition among the banks is becoming more and more intense, and the commercial banks are facing more and more kinds of risks. The operational risk is one of the most common but difficult to control important risks. Because small and medium-sized commercial banks are different from large commercial banks in scale, system, personnel quality and management mode, their operational risk forms, causes, harm degree, measuring tools and control means have great particularity. Therefore, it is of great theoretical and practical significance to select the operational risk management of small and medium-sized commercial banks as the research topic. This paper is carried out according to the basic risk management procedure of "risk identification and risk assessment and risk response", which is divided into seven parts. The main contents are as follows: the first part is the main contents of the introduction: first, it clarifies the background and significance of this paper; The second is to review the current research situation at home and abroad, and the third is to introduce the research contents, methods and ideas. In the second part, the main contents of this paper are as follows: first, it defines four basic concepts: small and medium-sized banks, operational risks, operational risks and operational risk management procedures; Second, it expounds three basic theories of commercial bank management theory, risk management theory and internal control theory. In the third part, the main contents of "operational risk exposure and causes of small and medium-sized banks in China" are as follows: first, the operational risk exposure of small and medium-sized banks in China is analyzed; second, the causes of operational risks of small and medium-sized banks in China are explored. In the fourth part, the main contents of the paper are as follows: firstly, it introduces the evaluation method (G1 method), the second is the analysis of evaluation factors (the establishment of the evaluation index system of operational risk of small and medium-sized banks), the second is the establishment of the evaluation index system of the operational risk of the small and medium-sized banks. Third, the evaluation process and results. The fifth part is the main contents of the measurement method of operational risk of small and medium banks: first, it introduces the evolution and selection of the operational risk measurement method of commercial banks; secondly, it discusses the practical application of the basic index method in the small and medium-sized banks in China. The third is the application of the income model method in the small and medium-sized banks in China, and the fourth is the key problems to be solved in the application of the operational risk measurement method. The sixth part is the main contents of "coping strategy of operational risk in small and medium-sized banks": first, the preventive means of operational risk; second, the control tool of operational risk; and thirdly, the art of resolving operational risk after the event. In the seventh part, the main contents of "conclusion" are as follows: first, the main viewpoints of this paper are summarized; second, the innovation of this paper is dredged; third, the insufficiency of this study is pointed out, and the future research is prospected.
【學(xué)位授予單位】：河南理工大學(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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本文編號(hào)：2388614