本文選題：農(nóng)村商業(yè)銀行 + 操作風(fēng)險(xiǎn)　； 參考：《西安理工大學(xué)》2017年碩士論文

【摘要】：近年來,銀行業(yè)金融機(jī)構(gòu)的業(yè)務(wù)范圍越來越寬、資產(chǎn)規(guī)模也越來越大,農(nóng)村商業(yè)銀行作為農(nóng)村地方金融機(jī)構(gòu)也不例外,但隨著而來的是其所面臨的操作風(fēng)險(xiǎn)也在增大。《巴塞爾新資本協(xié)議》的出臺(tái),再次引起銀行業(yè)對(duì)操作風(fēng)險(xiǎn)的重視和關(guān)注,同時(shí)也提高了操作風(fēng)險(xiǎn)的管理要求。農(nóng)村商業(yè)銀行由農(nóng)信社改制而來,基礎(chǔ)管理、機(jī)制構(gòu)建等方面“先天不足”,操作風(fēng)險(xiǎn)管理的形式較國(guó)有商業(yè)銀行、股份制銀行更為嚴(yán)峻。本文以實(shí)際應(yīng)用為目的,將筆者所在單位作為研究對(duì)象,對(duì)PL農(nóng)村商業(yè)銀行的操作風(fēng)險(xiǎn)管理的識(shí)別、評(píng)估與控制進(jìn)行了分析和研究。首先在對(duì)相關(guān)研究和操作風(fēng)險(xiǎn)的基本概念進(jìn)行了總結(jié);通過數(shù)量化分析、實(shí)例例舉闡述了PL農(nóng)村商業(yè)銀行的操作風(fēng)險(xiǎn)管理現(xiàn)狀,理清了問題及其成因;結(jié)合PL農(nóng)村商業(yè)銀行實(shí)際,借鑒并使用操作風(fēng)險(xiǎn)與控制識(shí)別評(píng)估(RCSA)的方法對(duì)PL農(nóng)村商業(yè)銀行的操作風(fēng)險(xiǎn)進(jìn)行了識(shí)別與評(píng)估;然后從體系建設(shè)、風(fēng)險(xiǎn)監(jiān)測(cè)及計(jì)量、識(shí)別預(yù)評(píng)估和風(fēng)險(xiǎn)報(bào)告四個(gè)方面提出了操作風(fēng)險(xiǎn)控制策略以及實(shí)現(xiàn)這一系列措施的保障措施,以確保風(fēng)險(xiǎn)防控目標(biāo)的實(shí)現(xiàn)。
[Abstract]:In recent years, the scope of business of banking financial institutions has become wider and wider, and the scale of assets has become larger and larger. Rural commercial banks, as rural local financial institutions, are no exception. However, the operational risk it faces is also increasing. The introduction of Basel New Capital Accord has once again aroused the attention and attention of the banking industry to the operational risk, and has also raised the management requirements of the operational risk. Rural commercial banks come from the reform of rural credit cooperatives, such as basic management, mechanism construction and so on. The form of operational risk management is more severe than that of state-owned commercial banks and joint-stock banks. For the purpose of practical application, this paper analyzes and studies the identification, evaluation and control of the operational risk management of PL rural commercial banks. First of all, it summarizes the basic concepts of relevant research and operational risk, through quantitative analysis, an example illustrates the current situation of operational risk management in PL rural commercial banks, and clarifies the problems and their causes. Combined with the practice of PL rural commercial bank, the paper identifies and evaluates the operational risk of PL rural commercial bank by using the method of operational risk and control identification and evaluation (RCSAA), and then makes use of system construction, risk monitoring and measurement. In order to ensure the realization of the goal of risk prevention and control, the operational risk control strategy and the safeguard measures to achieve this series of measures are put forward in the four aspects of identifying pre-evaluation and risk reporting.
【學(xué)位授予單位】：西安理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.35

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