本文選題：建設(shè)銀行A分行 + 財務(wù)風(fēng)險　； 參考：《吉林財經(jīng)大學(xué)》2017年碩士論文

【摘要】：商業(yè)銀行是典型的高風(fēng)險機構(gòu),這是由于其既具有一般企業(yè)所具有的經(jīng)營風(fēng)險,又有著金融企業(yè)特有的風(fēng)險,而其中的財務(wù)風(fēng)險是銀行面對的主要風(fēng)險。因為一旦銀行業(yè)的財務(wù)出現(xiàn)問題,會波及到整個金融業(yè),嚴重時將會影響到整個社會經(jīng)濟的良性發(fā)展。銀行業(yè)對金融業(yè)的重大影響是本文將銀行財務(wù)風(fēng)險管理作為研究對象的重要原因。盡管近幾十年來銀行將財務(wù)風(fēng)險管理作為其管理的核心問題,在財務(wù)風(fēng)險管理方面取得明顯成效,但是對銀行財務(wù)風(fēng)險問題仍缺乏有效的防范意識和控制措施,銀行破產(chǎn)案件仍然時有發(fā)生。本文研究對象定為建設(shè)銀行A分行,從分析選題背景及意義入手,介紹國內(nèi)外對于財務(wù)風(fēng)險及財務(wù)風(fēng)險管理的研究現(xiàn)狀。對建設(shè)銀行A分行的財務(wù)風(fēng)險進行識別,劃分為政策導(dǎo)向引發(fā)的壞賬風(fēng)險、資產(chǎn)負債結(jié)構(gòu)問題引發(fā)的資金流動性風(fēng)險、利率變動引發(fā)的收益波動風(fēng)險、財務(wù)及決策人員過失引發(fā)的投融資風(fēng)險四個方面。進一步研究其財務(wù)風(fēng)險管理現(xiàn)狀,分析其財務(wù)風(fēng)險管理中存在的問題,進而提出針對于建設(shè)銀行A分行加強財務(wù)風(fēng)險管理的建議。針對建設(shè)銀行A分行加強財務(wù)風(fēng)險管理,提出以下幾方面措施:第一完善財務(wù)風(fēng)險管理制度,第二規(guī)范銀行信息披露機制,第三建立有效的風(fēng)險預(yù)警系統(tǒng),第四加強銀行的內(nèi)部審計,第五完善利率變動風(fēng)險管理方法,第六培養(yǎng)行員先進的風(fēng)險管理意識,第七建立完善的約束激勵機制。同時提出實施措施的環(huán)境保障。
[Abstract]:Commercial bank is a typical high risk institution, because it has not only the management risk of general enterprise, but also the special risk of financial enterprise, and the financial risk is the main risk faced by the bank. Because once the banking financial problems, will affect the entire financial sector, serious will affect the whole social and economic development. The great influence of banking on the financial industry is the important reason for this paper to take the financial risk management of banks as the object of study. Although banks have taken financial risk management as the core of their management in recent decades and achieved remarkable results in financial risk management, there is still a lack of effective awareness and control measures to prevent and control financial risks in banks. Bank failures still occur from time to time. The research object of this paper is China Construction Bank A Branch, starting with the analysis of the background and significance of the selected topic, introduces the domestic and foreign research status of financial risk and financial risk management. The financial risk of China Construction Bank A Branch is identified, which is divided into bad debts risk caused by policy guidance, capital liquidity risk caused by asset-liability structure problem, income fluctuation risk caused by interest rate change. There are four aspects of investment and financing risk caused by the negligence of finance and decision-makers. This paper further studies the present situation of financial risk management, analyzes the existing problems in financial risk management, and puts forward some suggestions for strengthening financial risk management in A Branch of China Construction Bank. In view of strengthening financial risk management in Branch A of China Construction Bank, the following measures are put forward: first, perfecting financial risk management system; second, standardizing the mechanism of bank information disclosure; thirdly, establishing an effective risk warning system. The fourth is to strengthen the internal audit of the bank, the fifth is to perfect the risk management method of interest rate change, the sixth is to train the advanced risk management consciousness of the bank members, and the seventh is to establish the perfect restraint incentive mechanism. At the same time, put forward the implementation of environmental protection measures.
【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】：F830.42;F832.33

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