【摘要】：作為提升核心競爭力、增強盈利能力和改善業(yè)務(wù)結(jié)構(gòu)的戰(zhàn)略舉措，我國商業(yè)銀行在發(fā)展理財業(yè)務(wù)方面一直不遺余力。由于受我國金融法律制度、銀行管理體制和理財市場發(fā)育程度等方面的制約，我國理財業(yè)務(wù)在快速發(fā)展的同時，在許多方面形成了突出的操作風險。目前我國理財業(yè)務(wù)操作風險的問題主要體現(xiàn)在：在產(chǎn)品設(shè)計上，缺乏科學(xué)的風險管理措施；在風險對沖上，缺乏有效的資本計提方法；在業(yè)務(wù)運作上，缺乏完善的理財業(yè)務(wù)流程；在系統(tǒng)管理上，缺乏可靠的操作風險損失數(shù)據(jù)庫；在管理規(guī)范上，缺乏一個行之有效的操作風險管理體系。 完善商業(yè)銀行理財業(yè)務(wù)操作風險管理機制，對于提高我國商業(yè)銀行的全面風險管理能力、促進我國商業(yè)銀行理財業(yè)務(wù)持續(xù)健康發(fā)展、更好地滿足廣大人民群眾的投資理財需求具有十分重要的意義。本文首先以國外關(guān)于操作風險研究理論和國內(nèi)對理財業(yè)務(wù)操作風險的研究成果為基礎(chǔ)，為下一步對我國商業(yè)銀行理財業(yè)務(wù)操作風險管理機制的分析提供理論依據(jù)。其次，，從我國商業(yè)銀行理財業(yè)務(wù)發(fā)展的現(xiàn)狀出發(fā)，歸納分析我國商業(yè)銀行在理財業(yè)務(wù)操作風險管理中存在的問題，探討我國理財業(yè)務(wù)操作風險管理的現(xiàn)狀，同時詳細介紹了我國對理財業(yè)務(wù)操作風險監(jiān)管歷程。再次，介紹并總結(jié)了國際先進銀行的操作風險管理經(jīng)驗，同時探討了6σ管理方法、全面風險管理理論和主要操作風險管理工具在操作風險管理中應(yīng)用的可行性，為我國商業(yè)銀行理財業(yè)務(wù)操作風險管理提供借鑒。最后，根據(jù)對理財業(yè)務(wù)操作風險的綜合研究，對我國商業(yè)銀行理財業(yè)務(wù)操作風險管理的機制建設(shè)提出具體的解決方案。
[Abstract]:As a strategic measure to enhance core competitiveness, enhance profitability and improve business structure, Chinese commercial banks have been sparing no effort in developing financial management business. Because of the restriction of our country's financial law system, bank management system and financial market development degree, the financial management business in our country has developed rapidly, at the same time, it has formed outstanding operational risk in many aspects. At present, the operational risks of financial management in China are mainly reflected in the following aspects: lack of scientific risk management measures in product design, lack of effective capital collection methods in risk hedging; In business operation, there is a lack of perfect financial management business process, lack of reliable operational risk loss database in system management, and lack of an effective operational risk management system in terms of management norms. Perfecting the operational risk management mechanism of commercial banks' financial management business will improve the overall risk management ability of our country's commercial banks and promote the sustainable and healthy development of our country's commercial banks' financial management business. It is of great significance to better meet the investment and financial needs of the broad masses of the people. Based on the theory of operational risk in foreign countries and the domestic research results on operational risk of financial management business, this paper provides a theoretical basis for the next analysis of operational risk management mechanism of financial management business in commercial banks in China. Secondly, starting from the present situation of the development of the financial management business of the commercial banks in China, this paper sums up and analyzes the problems existing in the operation risk management of the financial management business of our country's commercial banks, and probes into the present situation of the operation risk management of the financial management business in our country. At the same time, it introduces in detail the course of supervision on the operational risk of financial management in China. Thirdly, it introduces and summarizes the operational risk management experience of international advanced banks, and discusses the feasibility of applying 6 蟽 management method, comprehensive risk management theory and main operational risk management tools in operational risk management. To provide reference for our country commercial bank financial management operation risk management. Finally, according to the comprehensive study on the operational risk of financial management business, the paper puts forward the concrete solution to the construction of the mechanism of the operation risk management of the financial management business of our country's commercial banks.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F272.3;F832.2

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