發(fā)布時間：2018-01-20 05:28

  本文關(guān)鍵詞： 進出口銀行 內(nèi)部控制 操作風(fēng)險　出處：《吉林財經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：金融危機以來,我國政府為了穩(wěn)定經(jīng)濟采取了一系列的促進經(jīng)濟政策,尤其是近年來,我國銀行業(yè)在金融系統(tǒng)中的地位愈發(fā)重要,而與此同時,我國銀行業(yè)不良貸款率逐年上升,客戶信用風(fēng)險頻發(fā),銀行在信用風(fēng)險、操作風(fēng)險等方面的防范已成為中國監(jiān)管當(dāng)局以及各銀行機構(gòu)都亟需面對的重大課題。中國進出口銀行吉林省分行2014年成立以來,雖然能夠較好的完成總行下達(dá)的各項指標(biāo),但是由于制度不健全,系統(tǒng)保障不充足,人員結(jié)構(gòu)不合理,績效考核欠科學(xué)、信貸業(yè)務(wù)內(nèi)部控制的執(zhí)行力較低、監(jiān)督力度不夠、獎懲機制不健全等多種問題的存在,該行的操作風(fēng)險管理水平要遠(yuǎn)遠(yuǎn)落后于商業(yè)銀行。伴隨著業(yè)務(wù)的迅速發(fā)展,現(xiàn)階段,該行已經(jīng)暴露初信貸操作流程的不健全、貸款審批違規(guī)操作、貸款發(fā)放支付流程不符合規(guī)定等一系列操作風(fēng)險,這些操作風(fēng)險雖然暫時未帶來實質(zhì)的損失,但已經(jīng)對該行的內(nèi)控管理水平帶來了影響,同時該行的信用風(fēng)險也逐漸暴露。面對新形勢新任務(wù),如何提升該行操作風(fēng)險管理水平,尤其是把控操作風(fēng)險已經(jīng)成為該行一項重要任務(wù)。在此背景下,本文主要論述了中國進出口銀行吉林分行操作風(fēng)險存在的問題,分析操作風(fēng)險發(fā)生的原因,并從中提出改進意見。最后就上述策略的全面實施,提出了相關(guān)保障措施,一方面是促進該行的穩(wěn)健經(jīng)營;另一方面提升該行的管理水平,促進其更好地應(yīng)對國際金融競爭。
[Abstract]:Since the financial crisis, our government has adopted a series of economic policies to stabilize the economy, especially in recent years, the status of our banking industry in the financial system has become increasingly important, but at the same time. The non-performing loan rate of our country's banking industry is rising year by year, the customer credit risk occurs frequently, the bank is in the credit risk. Operational risk prevention has become a major issue that Chinese regulatory authorities and banking institutions urgently need to face. The Jilin Branch of Export-Import Bank of China has been established since 2014. Although it can complete the indicators issued by the head office, but because the system is not perfect, the system protection is not sufficient, the personnel structure is unreasonable, the performance appraisal is not scientific, the execution ability of the internal control of the credit business is low. Supervision is not enough, reward and punishment mechanism is not perfect and so on, the operational risk management level of the bank lags far behind commercial banks. With the rapid development of business, at the present stage. The bank has exposed a series of operational risks, such as the imperfect credit operation process, the illegal operation of loan approval and approval, the non-conformity of the loan payment process, and so on, although these operational risks have not brought substantial losses for the time being. But has already brought the influence to the bank's internal control management level, at the same time the bank's credit risk also gradually exposed. Facing the new situation and the new task, how to enhance the bank's operational risk management level. In particular, the control of operational risk has become an important task of the bank. Under this background, this paper mainly discusses the existing problems of operational risk in Jilin Branch of Export-Import Bank of China, and analyzes the reasons for the occurrence of operational risk. Finally, the paper puts forward the relevant safeguard measures for the comprehensive implementation of the above strategy, on the one hand, to promote the steady operation of the bank; On the other hand, improve the management of the bank, promote its better response to international financial competition.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.31

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本文編號：1447026