本文選題：商業(yè)銀行　切入點(diǎn)：財(cái)務(wù)風(fēng)險(xiǎn)　出處：《湘潭大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著市場(chǎng)競(jìng)爭(zhēng)的加劇，商業(yè)銀行作為一家經(jīng)營(yíng)貨幣的高風(fēng)險(xiǎn)行業(yè)，其面臨的風(fēng)險(xiǎn)也日益彰顯。而財(cái)務(wù)風(fēng)險(xiǎn)又是經(jīng)營(yíng)風(fēng)險(xiǎn)的貨幣體現(xiàn)形式，更是呈現(xiàn)多變化趨勢(shì)。風(fēng)險(xiǎn)防范就是商業(yè)銀行在識(shí)別、評(píng)估和分析風(fēng)險(xiǎn)的基礎(chǔ)上，通過(guò)最合理的防范措施和科學(xué)的控制方法，盡可能的規(guī)避風(fēng)險(xiǎn)的行為。有效的防范商業(yè)銀行的財(cái)務(wù)風(fēng)險(xiǎn)不僅可以保障銀行的安全穩(wěn)健運(yùn)營(yíng)，對(duì)銀行股東利益以及政府監(jiān)管當(dāng)局都發(fā)揮重要作用。因此，如何構(gòu)建與商業(yè)銀行當(dāng)前財(cái)務(wù)狀況相應(yīng)的風(fēng)險(xiǎn)防范機(jī)制，成為現(xiàn)代商業(yè)銀行的當(dāng)務(wù)之急。 本文以棗莊銀行為研究對(duì)象，采用文獻(xiàn)研究法、案例分析法、系統(tǒng)分析法等研究方法，并按照提出問(wèn)題、分析問(wèn)題、解決問(wèn)題的研究思路，對(duì)以下內(nèi)容進(jìn)行了深入分析和研究：一是通過(guò)對(duì)財(cái)務(wù)風(fēng)險(xiǎn)、財(cái)務(wù)風(fēng)險(xiǎn)防范、《新巴塞爾資本協(xié)議》等相關(guān)文獻(xiàn)的研究，對(duì)棗莊銀行財(cái)務(wù)風(fēng)險(xiǎn)的種類(lèi)進(jìn)行了有效界定，分別是信用風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)、表外業(yè)務(wù)風(fēng)險(xiǎn)和法律風(fēng)險(xiǎn)。二是對(duì)棗莊銀行財(cái)務(wù)風(fēng)險(xiǎn)中存在的問(wèn)題，，尋找出其內(nèi)在的原因，并對(duì)其原因進(jìn)行了較為全面的分析。三是通過(guò)對(duì)棗莊銀行整體財(cái)務(wù)狀況的系統(tǒng)分析，以其相關(guān)風(fēng)險(xiǎn)指標(biāo)為參考依據(jù)，從強(qiáng)化信用風(fēng)險(xiǎn)管理、完善流動(dòng)性風(fēng)險(xiǎn)管理、推進(jìn)市場(chǎng)風(fēng)險(xiǎn)敏感性管理、加強(qiáng)表外業(yè)務(wù)風(fēng)險(xiǎn)管理、規(guī)范合規(guī)性風(fēng)險(xiǎn)管理、注重內(nèi)部風(fēng)險(xiǎn)控制建設(shè)與完善會(huì)計(jì)信息披露等6個(gè)方面入手，著力構(gòu)建適應(yīng)棗莊銀行發(fā)展的財(cái)務(wù)風(fēng)險(xiǎn)防范機(jī)制。 本文重在將理論知識(shí)運(yùn)用到實(shí)踐中來(lái)。對(duì)棗莊銀行自身而言，該行正處在城商行百?gòu)?qiáng)并起的大發(fā)展時(shí)期，業(yè)務(wù)快速發(fā)展的同時(shí)總是會(huì)伴隨著風(fēng)險(xiǎn)的產(chǎn)生，通過(guò)本文的研究分析，可以幫助棗莊銀行及早發(fā)現(xiàn)潛在的財(cái)務(wù)風(fēng)險(xiǎn)，掌握控制和防范風(fēng)險(xiǎn)的方法，有效提升本行的競(jìng)爭(zhēng)力。
[Abstract]:With the aggravation of market competition, commercial banks, as a high-risk industry operating currency, are facing more and more risks. Risk prevention means that commercial banks, on the basis of identifying, evaluating and analyzing risks, adopt the most reasonable preventive measures and scientific control methods. Effective prevention of financial risks of commercial banks can not only ensure the safe and sound operation of banks, but also play an important role in the interests of shareholders of banks and government regulatory authorities. How to construct the risk prevention mechanism corresponding to the current financial situation of commercial banks has become an urgent task for modern commercial banks. This article takes Zaozhuang Bank as the research object, uses the literature research method, the case analysis method, the system analysis method and so on research method, and according to raises the question, the analysis question, the solution question research mentality, The following contents are deeply analyzed and studied: first, through the research on financial risk, financial risk prevention, Basel II Capital Accord and other related documents, the types of financial risk in Zaozhuang Bank are effectively defined. They are credit risk, liquidity risk, market risk, off-balance sheet risk and legal risk. Third, through the systematic analysis of the overall financial situation of Zaozhuang Bank, taking the relevant risk indicators as the reference basis, from strengthening the credit risk management, perfecting the liquidity risk management. Promoting market risk sensitivity management, strengthening risk management of off-balance sheet business, standardizing compliance risk management, paying attention to the construction of internal risk control and perfecting accounting information disclosure, etc. Focus on the construction of Zaozhuang Bank to adapt to the development of financial risk prevention mechanism. This paper focuses on the application of theoretical knowledge to practice. For Zaozhuang Bank itself, the bank is in a period of great development of the top 100 commercial banks in the city, and the rapid development of its business is always accompanied by the emergence of risks. Through the research and analysis of this paper, it can help Zaozhuang Bank to discover the potential financial risk as soon as possible, grasp the method of controlling and preventing the risk, and effectively enhance the competitiveness of the bank.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33;F830.42

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