發(fā)布時(shí)間：2018-12-29 17:48

【摘要】：20世紀(jì)90年代以來,在金融全球化、金融自由化、技術(shù)革新、產(chǎn)品創(chuàng)新以及放松監(jiān)管等因素的影響下,國(guó)內(nèi)外銀行業(yè)面臨著日益嚴(yán)重的操作風(fēng)險(xiǎn),如何加強(qiáng)操作風(fēng)險(xiǎn)管理,成為后金融危機(jī)時(shí)期銀行業(yè)風(fēng)險(xiǎn)管理中面臨的重要挑戰(zhàn)。本文在巴塞爾監(jiān)督管理委員會(huì)的相關(guān)規(guī)定以及我國(guó)頒布的各項(xiàng)操作風(fēng)險(xiǎn)相關(guān)制度為理論根源,通過對(duì)國(guó)內(nèi)外文獻(xiàn)分析、對(duì)國(guó)內(nèi)外學(xué)者提出的理論的整合,解析我國(guó)商業(yè)銀行信用卡資產(chǎn)保全業(yè)務(wù)中的相關(guān)操作風(fēng)險(xiǎn)點(diǎn)以及產(chǎn)生的原因。同時(shí),結(jié)合C銀行信用卡中心操作風(fēng)險(xiǎn)管理模式、管理流程、管理效果,展開相關(guān)研究。通過對(duì)C銀行信用卡資產(chǎn)保全業(yè)務(wù)操作流程和主要風(fēng)險(xiǎn)節(jié)點(diǎn);提出C銀行信用中心及資產(chǎn)保全業(yè)務(wù)中操作風(fēng)險(xiǎn)管理中的薄弱環(huán)節(jié),并分析其操作風(fēng)險(xiǎn)產(chǎn)生的根本原因。研究發(fā)現(xiàn),C銀行信用卡中心只有在資產(chǎn)保全業(yè)務(wù)全流程中的每個(gè)環(huán)節(jié)進(jìn)行風(fēng)險(xiǎn)把控,并對(duì)操作風(fēng)險(xiǎn)管理流程中的風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評(píng)估、風(fēng)險(xiǎn)監(jiān)測(cè)、風(fēng)險(xiǎn)報(bào)告的每一個(gè)環(huán)節(jié)進(jìn)行優(yōu)化,才能系統(tǒng)、科學(xué)地開展操作風(fēng)險(xiǎn)管理工作,從而更好地防控操作風(fēng)險(xiǎn)。所以,本文以C銀行信用卡資產(chǎn)保全業(yè)務(wù)全流程為例,通過文獻(xiàn)查閱法、實(shí)踐調(diào)研法、定性分析法及案例分析法,從建立良好的操作風(fēng)險(xiǎn)軟環(huán)境,操作風(fēng)險(xiǎn)識(shí)別與評(píng)估、操作風(fēng)險(xiǎn)管理的信控制與緩釋、加強(qiáng)操作風(fēng)險(xiǎn)管理的監(jiān)督與報(bào)告這四個(gè)方面,提出了構(gòu)建操作風(fēng)險(xiǎn)全流程控制的可行性建議。希望對(duì)我商業(yè)銀行信用卡資產(chǎn)保全業(yè)務(wù)中的操作風(fēng)險(xiǎn)管理提供一定的理論和現(xiàn)實(shí)意義。
[Abstract]:Since 1990s, under the influence of financial globalization, financial liberalization, technological innovation, product innovation and deregulation, the domestic and foreign banks are facing increasingly serious operational risks. It has become an important challenge in banking risk management in the post-financial crisis period. Based on the relevant regulations of the Basel Committee of Supervision and Management and the operational risk related systems promulgated by our country, this paper analyzes the literature at home and abroad, and integrates the theories put forward by domestic and foreign scholars. This paper analyzes the operational risk points and causes of credit card asset preservation in Chinese commercial banks. At the same time, combining C bank credit card center operation risk management mode, management process, management effect, the related research. By analyzing the operation flow and main risk nodes of credit card asset preservation business of C Bank, the weak links in operation risk management in C bank credit center and asset preservation business are put forward, and the fundamental causes of operation risk are analyzed. The study found that the credit card center of Bank C only carries out risk control in every link of the whole process of asset preservation, and identifies, evaluates and monitors the risk in the operational risk management process. Only by optimizing every link of risk report, can the operation risk management be carried out scientifically, so as to prevent and control the operational risk better. Therefore, this paper takes C bank credit card asset preservation business as an example, through literature review, practice investigation, qualitative analysis and case analysis, from the establishment of a good operating risk soft environment, operational risk identification and evaluation, Based on the four aspects of information control and slow release of operational risk management and strengthening the supervision and reporting of operational risk management, the paper puts forward some feasible suggestions for constructing the whole process control of operational risk. Hope to provide certain theoretical and practical significance for the operation risk management in the credit card asset preservation business of our commercial bank.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2

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本文編號(hào)：2395164