【摘要】：進(jìn)入20世紀(jì)90年代以來(lái)，國(guó)際間交流的不斷深入，全球各國(guó)間的經(jīng)濟(jì)聯(lián)系越來(lái)越緊密，全球化發(fā)展不斷加深。在經(jīng)濟(jì)一體化和自由化發(fā)展的影響下，外資銀行看到了中國(guó)市場(chǎng)的發(fā)展機(jī)遇，積極投入這個(gè)新經(jīng)濟(jì)體，尋求新的發(fā)展路徑。到目前為止，在中國(guó)的外資銀行發(fā)展已經(jīng)走過(guò)了近30年的歷程。外資銀行發(fā)展的同時(shí)，各種管理的風(fēng)險(xiǎn)問(wèn)題也日益突顯。近十年的兩次金融危機(jī)中，金融業(yè)面臨著前所未有的競(jìng)爭(zhēng)壓力，內(nèi)部控制體系的漏洞和管理問(wèn)題日漸突顯。那么，外資銀行進(jìn)入中國(guó)后的發(fā)展過(guò)程中面對(duì)各式各樣的考驗(yàn)，既要解決內(nèi)部經(jīng)營(yíng)的風(fēng)險(xiǎn)控制問(wèn)題，又要構(gòu)建適應(yīng)在中國(guó)市場(chǎng)發(fā)展的內(nèi)部控制體系。 本文以IB銀行為重點(diǎn)研究對(duì)象，采取理論闡述和案例分析相結(jié)合的方法，在對(duì)外資銀行的內(nèi)部控制與風(fēng)險(xiǎn)管理的情況分析的基礎(chǔ)上，結(jié)合IB銀行自身發(fā)展的優(yōu)勢(shì)和特點(diǎn)，分析該銀行在中國(guó)發(fā)展的優(yōu)勢(shì)和內(nèi)部控制上凸顯的主要問(wèn)題，從而進(jìn)一步針對(duì)問(wèn)題提出改善的對(duì)策與方案，促進(jìn)其可持續(xù)穩(wěn)定的發(fā)展。 本文共分為五個(gè)部分：第一部分是對(duì)文章的選題背景及意義，研究?jī)?nèi)容和結(jié)構(gòu)做簡(jiǎn)單歸納。第二部分是對(duì)銀行內(nèi)部控制和風(fēng)險(xiǎn)管理理論的提出與分析，從而闡述銀行業(yè)的內(nèi)部控制與風(fēng)險(xiǎn)管理的相關(guān)性。第三部分詳細(xì)敘述在華外資銀行的發(fā)展?fàn)顩r及內(nèi)部控制發(fā)展歷程。外資銀行從開(kāi)始的起步階段，到擴(kuò)張階段，再到收縮階段和新階段，共經(jīng)歷了四個(gè)過(guò)程，通過(guò)對(duì)發(fā)展過(guò)程及現(xiàn)狀分析，得出外資銀行在發(fā)展過(guò)程中是如何實(shí)現(xiàn)有效的內(nèi)部控制，并且內(nèi)部控制與銀行的經(jīng)營(yíng)是相互關(guān)聯(lián)的。第四部分和第五部分是在前幾章基礎(chǔ)上，對(duì)IB銀行進(jìn)行詳細(xì)分析研究，總結(jié)出該銀行在華發(fā)展的優(yōu)勢(shì)和面臨的內(nèi)部風(fēng)險(xiǎn)管理的問(wèn)題，最后提出如何改善問(wèn)題的對(duì)策。最后，，總結(jié)IB銀行在華今后發(fā)展的方向與策略，對(duì)未來(lái)提出展望。 不斷的完善外資銀行在華發(fā)展的內(nèi)部控制理論，從我國(guó)的基本國(guó)情出發(fā)，結(jié)合中國(guó)市場(chǎng)經(jīng)濟(jì)發(fā)展的客觀要求，不斷的完善和加強(qiáng)IB銀行內(nèi)部控制和風(fēng)險(xiǎn)管理，有效提高該銀行的風(fēng)險(xiǎn)控制能力和風(fēng)險(xiǎn)預(yù)見(jiàn)性，對(duì)銀行長(zhǎng)遠(yuǎn)健康的發(fā)展能起到至關(guān)重要的作用。
[Abstract]:Since the 1990s, with the deepening of international exchanges, the economic ties between countries around the world are becoming closer and closer, and the development of globalization is deepening. Under the influence of economic integration and liberalized development, foreign banks have seen the development opportunity of Chinese market and actively invested in this new economy to seek a new development path. So far, the development of foreign banks in China has gone through nearly 30 years. With the development of foreign banks, the risk of various management is also increasingly prominent. In the two financial crises in the past decade, the financial industry is facing unprecedented competitive pressure, and the loopholes and management problems in the internal control system are becoming increasingly prominent. In the course of the development of foreign banks in China, they are faced with all kinds of tests. They should not only solve the risk control problem of internal management, but also construct an internal control system adapted to the development of Chinese market. This paper takes IB Bank as the key research object, adopts the method of combining the theory exposition and the case analysis, on the basis of analyzing the internal control and risk management of the foreign capital bank, combines the advantages and characteristics of the development of the IB bank itself. This paper analyzes the advantages of the bank's development in China and the main problems in its internal control, so as to put forward further countermeasures and solutions to the problems and promote its sustainable and stable development. This paper is divided into five parts: the first part is a simple summary of the background and significance, research content and structure of the article. The second part is to put forward and analyze the theory of bank internal control and risk management, so as to expound the correlation between banking internal control and risk management. The third part describes the development of foreign banks in China and the development of internal control. The foreign banks have experienced four processes from the beginning stage to the expansion stage, then to the contraction stage and the new stage. Through the analysis of the development process and the present situation, it is concluded that how to realize the effective internal control in the development process of the foreign banks. And the internal control and the operation of the bank are interrelated. The fourth part and the fifth part are on the basis of the first few chapters, carries on the detailed analysis to the IB bank, summarizes the development superiority and the internal risk management question which the bank faces in China, finally proposes how to improve the question countermeasure. Finally, the future development direction and strategy of IB Bank in China are summarized. Constantly perfecting the internal control theory of the development of foreign banks in China, proceeding from the basic conditions of our country, combining with the objective requirements of the development of China's market economy, constantly perfecting and strengthening the internal control and risk management of IB banks. It is very important for the bank to improve its risk control ability and risk foresight.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F830.42;F831.2

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