浙商銀行沈陽分行資金業(yè)務(wù)風(fēng)險管理改進研究
發(fā)布時間：2018-08-15 11:53
【摘要】：在經(jīng)濟新常態(tài)下,我國銀行業(yè)的發(fā)展有著獨特的特點和特征,銀行業(yè)發(fā)展增速漸緩,且面臨著實現(xiàn)結(jié)構(gòu)轉(zhuǎn)型以及多元化發(fā)展的轉(zhuǎn)變,銀行資金業(yè)務(wù)的發(fā)展與管理成為了商業(yè)銀行轉(zhuǎn)型的一個重點。我國資金業(yè)務(wù)在經(jīng)歷過起步階段、迅速發(fā)展以及發(fā)展大浪潮后,資金業(yè)務(wù)不斷發(fā)展和金融創(chuàng)新不斷增多,給銀行業(yè)帶來了新的挑戰(zhàn),即銀行業(yè)在關(guān)注業(yè)務(wù)發(fā)展和經(jīng)營的同時,也必須注重對風(fēng)險的管控。如何在復(fù)雜多變的經(jīng)濟形式和金融市場趨勢下做好資金業(yè)務(wù)的同時規(guī)避可能遇到的市場、信用、流動性等各方面的風(fēng)險,實行好風(fēng)險管控是各商業(yè)銀行需要重點考慮的難題。浙商銀行以小企業(yè)業(yè)務(wù)和銀行投資業(yè)務(wù)為重點特色發(fā)展業(yè)務(wù),其資金業(yè)務(wù)在一定程度上雖有競爭力但仍存在些許不足。浙商銀行沈陽分行的資金業(yè)務(wù)的主要包含了債券、同業(yè)業(yè)務(wù)和外匯業(yè)務(wù),在總行的資金管理要求下,沈陽分行也有自己的資金業(yè)務(wù)管理細則,同時也面臨著相關(guān)的風(fēng)險和風(fēng)險管理難題。對浙商銀行沈陽分行資金業(yè)務(wù)的風(fēng)險管理進行研究具有一定的意義和價值。本文以浙商銀行沈陽分行為研究對象,結(jié)合與銀行資金業(yè)務(wù)相關(guān)的的風(fēng)險管理理論和國內(nèi)外相關(guān)的研究基礎(chǔ),對浙商銀行沈陽分行的資金業(yè)務(wù)風(fēng)險管理展開研究�；诒疚牡倪x題依據(jù),文章首先對本研究的研究背景與意義、研究方法與內(nèi)容、研究開展的理論基礎(chǔ)和國內(nèi)外相關(guān)的文獻綜述進行了說明,在此之后對本研究的主體部分進行了有順序的論述。全文主體部分主要包括三方面的內(nèi)容。第一部分,對浙商銀行沈陽分行資金業(yè)務(wù)、資金業(yè)務(wù)的風(fēng)險管理進行現(xiàn)狀介紹和分析,發(fā)現(xiàn)浙商銀行沈陽分行的資金業(yè)務(wù)風(fēng)險管理中存在的問題,即嚴重的利率風(fēng)險、信用風(fēng)險的把控不到位、面臨著潛在的兌付風(fēng)險和流動性沖擊以及易引發(fā)操作風(fēng)險,并對其成因進行深入分析,發(fā)現(xiàn)資金業(yè)務(wù)風(fēng)險管理問題的成因是利率風(fēng)險管理能力不足、信用風(fēng)險防控能力不足、缺乏有效合理的流動性風(fēng)險管理以及日常管理機制缺失。第二部分,對浙商銀行沈陽分行的風(fēng)險管理提出改進建議,發(fā)現(xiàn)可以從四個方面進行努力,分別是強化利率風(fēng)險管理能力、提升信用風(fēng)險防控能力、提高流動性風(fēng)險防范能力和加強操作風(fēng)險應(yīng)對能力。第三部分,為了保證該改進方案和措施的具體實施,從組織、制度、人員和技術(shù)等方面提供了實施保障措施。本研究試圖為浙商銀行沈陽分行資金業(yè)務(wù)的風(fēng)險管理提出一個可行的、合理的和可持續(xù)的符合全面風(fēng)險管理要求的風(fēng)險管理改進意見,從而方便銀行制定有效的資金業(yè)務(wù)的風(fēng)險管理措施并切實實施,為銀行資金業(yè)務(wù)的發(fā)展、整體經(jīng)營以及競爭力的獲得提供了保障。
[Abstract]:Under the new normal state of economy, the development of China's banking industry has its unique characteristics and characteristics. The growth rate of the banking industry is slowing down, and the banking industry is faced with the transformation of structural transformation and diversified development. The development and management of bank capital business has become a key point in the transformation of commercial banks. The capital business in our country has experienced the initial stage, the rapid development and the development big tide, the fund business development and the finance innovation unceasingly increased, has brought the new challenge to the banking industry, namely the banking industry is paying close attention to the business development and the management simultaneously, Attention must also be paid to risk management. How to do the capital business well under the complicated and changeable economic form and the financial market trend, and how to avoid the risks of the market, credit, liquidity and so on, and how to implement the risk control are the key problems for commercial banks to consider. The bank of Zhejiang Province develops its business with the characteristics of small business and bank investment business. To some extent, its capital business is competitive, but it still has some shortcomings. The capital business of the Shenyang branch of Zhejiang Business Bank mainly includes bonds, interbank business and foreign exchange business. Under the capital management requirements of the head Office, the Shenyang Branch also has its own detailed rules for the management of its capital business. At the same time, it also faces the related risk and risk management problems. It is of great significance and value to study the risk management of the capital business of Zhejiang Commercial Bank Shenyang Branch. This paper takes the Shenyang Branch of Zhejiang Commercial Bank as the research object, combines the risk management theory related to the bank capital business and the domestic and foreign related research foundation, carries out the research on the risk management of the capital business of the Shenyang branch of Zhejiang Commercial Bank. Based on the basis of this thesis, the paper firstly explains the research background and significance, the research methods and contents, the theoretical basis of the research and the literature review at home and abroad. After this, the main part of this study is discussed in order. The main part of the paper mainly includes three aspects. The first part introduces and analyzes the present situation of the capital business and the risk management of the capital business in the Shenyang Branch of Zhejiang Business Bank, and finds out the problems existing in the risk management of the capital business of the Shenyang Branch of Zhejiang Business Bank, that is, the serious interest rate risk. If the credit risk is not controlled properly, it is faced with potential payment risk, liquidity shock and easy to cause operational risk. It is found that the cause of fund business risk management is insufficient interest rate risk management ability. The credit risk prevention and control ability is insufficient, the effective and reasonable liquidity risk management and the daily management mechanism are lacking. In the second part, some suggestions are put forward to improve the risk management of Zhejiang Commercial Bank Shenyang Branch. It is found that we can make efforts in four aspects, namely, strengthening the ability of interest rate risk management and enhancing the ability of credit risk prevention and control. Improve liquidity risk prevention ability and strengthen operational risk response ability. The third part, in order to ensure the implementation of the improvement program and measures, from the organizational, institutional, personnel and technical aspects of the implementation of security measures. This study attempts to put forward a feasible, reasonable and sustainable suggestion for the risk management of the capital business of Zhejiang Commercial Bank Shenyang Branch, which meets the requirements of overall risk management. Therefore, it is convenient for banks to formulate effective risk management measures for capital business and implement them effectively, thus providing guarantee for the development of bank capital business, the overall management and the acquisition of competitiveness.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33
本文編號：2184119
[Abstract]:Under the new normal state of economy, the development of China's banking industry has its unique characteristics and characteristics. The growth rate of the banking industry is slowing down, and the banking industry is faced with the transformation of structural transformation and diversified development. The development and management of bank capital business has become a key point in the transformation of commercial banks. The capital business in our country has experienced the initial stage, the rapid development and the development big tide, the fund business development and the finance innovation unceasingly increased, has brought the new challenge to the banking industry, namely the banking industry is paying close attention to the business development and the management simultaneously, Attention must also be paid to risk management. How to do the capital business well under the complicated and changeable economic form and the financial market trend, and how to avoid the risks of the market, credit, liquidity and so on, and how to implement the risk control are the key problems for commercial banks to consider. The bank of Zhejiang Province develops its business with the characteristics of small business and bank investment business. To some extent, its capital business is competitive, but it still has some shortcomings. The capital business of the Shenyang branch of Zhejiang Business Bank mainly includes bonds, interbank business and foreign exchange business. Under the capital management requirements of the head Office, the Shenyang Branch also has its own detailed rules for the management of its capital business. At the same time, it also faces the related risk and risk management problems. It is of great significance and value to study the risk management of the capital business of Zhejiang Commercial Bank Shenyang Branch. This paper takes the Shenyang Branch of Zhejiang Commercial Bank as the research object, combines the risk management theory related to the bank capital business and the domestic and foreign related research foundation, carries out the research on the risk management of the capital business of the Shenyang branch of Zhejiang Commercial Bank. Based on the basis of this thesis, the paper firstly explains the research background and significance, the research methods and contents, the theoretical basis of the research and the literature review at home and abroad. After this, the main part of this study is discussed in order. The main part of the paper mainly includes three aspects. The first part introduces and analyzes the present situation of the capital business and the risk management of the capital business in the Shenyang Branch of Zhejiang Business Bank, and finds out the problems existing in the risk management of the capital business of the Shenyang Branch of Zhejiang Business Bank, that is, the serious interest rate risk. If the credit risk is not controlled properly, it is faced with potential payment risk, liquidity shock and easy to cause operational risk. It is found that the cause of fund business risk management is insufficient interest rate risk management ability. The credit risk prevention and control ability is insufficient, the effective and reasonable liquidity risk management and the daily management mechanism are lacking. In the second part, some suggestions are put forward to improve the risk management of Zhejiang Commercial Bank Shenyang Branch. It is found that we can make efforts in four aspects, namely, strengthening the ability of interest rate risk management and enhancing the ability of credit risk prevention and control. Improve liquidity risk prevention ability and strengthen operational risk response ability. The third part, in order to ensure the implementation of the improvement program and measures, from the organizational, institutional, personnel and technical aspects of the implementation of security measures. This study attempts to put forward a feasible, reasonable and sustainable suggestion for the risk management of the capital business of Zhejiang Commercial Bank Shenyang Branch, which meets the requirements of overall risk management. Therefore, it is convenient for banks to formulate effective risk management measures for capital business and implement them effectively, thus providing guarantee for the development of bank capital business, the overall management and the acquisition of competitiveness.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33
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