本文選題：柜面業(yè)務(wù) + 商業(yè)銀行��； 參考：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：近年來(lái),隨著我國(guó)GDP增速趨緩,經(jīng)濟(jì)發(fā)展進(jìn)入新常態(tài),商業(yè)銀行高速發(fā)展和高盈利的時(shí)代基本已成為過(guò)去式,新的發(fā)展環(huán)境將更加復(fù)雜,商業(yè)銀行面臨的風(fēng)險(xiǎn)也將更加嚴(yán)峻。由于內(nèi)控機(jī)制不健全等而引發(fā)的金融風(fēng)險(xiǎn)案件頻頻曝光,據(jù)不完全統(tǒng)計(jì),過(guò)去一年時(shí)間里就有30多起巨額存款詐騙案件,涉案金額60多億,涉及全國(guó)各地各類型商業(yè)銀行。透過(guò)這些案件背后,我們都可以看到不僅有外部欺詐的原因,更重要的是銀行內(nèi)控制度缺陷和銀行員工參與其中,在銀行員工和不法分子的勾結(jié)之下,儲(chǔ)戶資金在存入銀行的同時(shí)就立刻被轉(zhuǎn)到其他賬戶上。案件的發(fā)生讓儲(chǔ)戶和銀行都蒙受巨額資金損失,也給銀行聲譽(yù)造成了巨大負(fù)面影響。長(zhǎng)久以來(lái),我們都比較多的關(guān)注銀行業(yè)的信用風(fēng)險(xiǎn)和市場(chǎng)風(fēng)險(xiǎn),對(duì)這類風(fēng)險(xiǎn)研究比較多,而相對(duì)較少關(guān)注操作風(fēng)險(xiǎn),尤其是對(duì)銀行柜面業(yè)務(wù)操作風(fēng)險(xiǎn)的相關(guān)研究寥寥無(wú)幾。由此可見(jiàn),在管控柜面業(yè)務(wù)操作風(fēng)險(xiǎn)方面,我們的認(rèn)識(shí)和研究還有待提高。本文在分析商業(yè)銀行柜面操作風(fēng)險(xiǎn)管理理論基礎(chǔ)上,通過(guò)對(duì)A銀行柜面操作風(fēng)險(xiǎn)的案例展開(kāi)詳細(xì)地研究,針對(duì)當(dāng)前A銀行柜面操作風(fēng)險(xiǎn)的實(shí)際情況實(shí)施分析,找出造成這些風(fēng)險(xiǎn)背后的原因,并相應(yīng)提出A銀行柜面操作風(fēng)險(xiǎn)防控的對(duì)策建議,希望能夠在商業(yè)銀行柜面操作風(fēng)險(xiǎn)防控方面提出有價(jià)值的啟示,從而比較全面的提高商業(yè)銀行柜面操作風(fēng)險(xiǎn)防控能力。
[Abstract]:In recent years, with the slow growth of GDP in China, the economic development has entered a new normal, the era of high speed development and high profit of commercial banks has basically become a thing of the past, the new development environment will be more complex, and the risks faced by commercial banks will be more severe. Financial risk cases caused by imperfect internal control mechanisms are frequently exposed. According to incomplete statistics, in the past year there have been more than 30 huge deposit fraud cases involving more than 6 billion, involving various types of commercial banks throughout the country. Through these cases, we can all see that there are not only the reasons for external fraud, but also the defects in the internal control system of banks and the participation of bank staff in them, under the collusion of bank employees and lawbreakers. Depositors are transferred to other accounts immediately as they are deposited in the bank. The case caused depositors and banks to suffer huge financial losses, but also a huge negative impact on the reputation of banks. For a long time, we have paid more attention to the credit risk and market risk of the banking industry. There are more researches on this kind of risk, but less on the operational risk, especially on the operational risk of the bank counter business. Thus, in the management of counter business operational risks, our understanding and research needs to be improved. Based on the analysis of the theory of the operational risk of the counter in commercial banks, this paper analyzes the actual situation of the operational risk of the counter in Bank A through the detailed study of the case of the operational risk of the counter in Bank A. To find out the reasons behind these risks, and put forward corresponding countermeasures and suggestions for the prevention and control of bank A's counter operational risks, hoping to be able to put forward valuable inspiration in the aspect of preventing and controlling the operational risks of commercial banks. Thus more comprehensive improvement of commercial banks counter-counter operation risk prevention and control ability.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(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)：1945179