BD銀行風險管理改進研究
發(fā)布時間：2019-06-04 09:59
【摘要】：本文通過回顧三個巴塞爾協(xié)議、風險管理方法、全面風險管理理論等主要內(nèi)容,為研究BD銀行風險管理找足理論依據(jù)和研究方法。然后,從風險體系狀況、風險管理流程執(zhí)行和反饋兩個方面對BD銀行風險管理進行了分析。發(fā)現(xiàn)由于風險管理意識落后、股權(quán)結(jié)構(gòu)不合理、歷史包袱重利潤水平低、激勵機制落后、風險管理人才不足等原因,致使BD銀行存在風險管理體系不健全、管理流程不完善、一些風險指標呈劣化趨勢、數(shù)據(jù)質(zhì)量較差等問題。提出了樹立全面風險管理觀念、構(gòu)建全面風險管理體系、完善風險管理流程強化執(zhí)行和反饋、強化組織建設(shè)、提升人員素質(zhì)等合理化建議,為BD銀行改進風險管理體系更好地防控金融風險提供參考。
[Abstract]:This paper reviews the three Basle agreements, risk management methods, comprehensive risk management theory and other main contents, in order to find the theoretical basis and research methods for the study of BD bank risk management. Then, the risk management of BD bank is analyzed from two aspects: risk system status, risk management process execution and feedback. It is found that the risk management system of BD bank is not perfect and the management process is not perfect because of the backward consciousness of risk management, unreasonable ownership structure, low profit level of historical burden, backward incentive mechanism, shortage of risk management talents and so on. Some risk indicators show a deterioration trend, poor data quality and so on. This paper puts forward some reasonable suggestions, such as establishing the concept of comprehensive risk management, constructing the comprehensive risk management system, perfecting the risk management process, strengthening the implementation and feedback, strengthening the organizational construction and improving the quality of personnel, etc. It provides a reference for BD Bank to improve the risk management system to better prevent and control financial risks.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F272.3;F832.33
本文編號：2492648
[Abstract]:This paper reviews the three Basle agreements, risk management methods, comprehensive risk management theory and other main contents, in order to find the theoretical basis and research methods for the study of BD bank risk management. Then, the risk management of BD bank is analyzed from two aspects: risk system status, risk management process execution and feedback. It is found that the risk management system of BD bank is not perfect and the management process is not perfect because of the backward consciousness of risk management, unreasonable ownership structure, low profit level of historical burden, backward incentive mechanism, shortage of risk management talents and so on. Some risk indicators show a deterioration trend, poor data quality and so on. This paper puts forward some reasonable suggestions, such as establishing the concept of comprehensive risk management, constructing the comprehensive risk management system, perfecting the risk management process, strengthening the implementation and feedback, strengthening the organizational construction and improving the quality of personnel, etc. It provides a reference for BD Bank to improve the risk management system to better prevent and control financial risks.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F272.3;F832.33
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