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论文编号：	10981
作者编号：	2120162877
上传时间：	2019/6/14 21:25:50
中文题目：	理财直接融资工具审批阶段风险管理研究——以M银行为例
英文题目：	Research on The Risk Management of The Financial Direct Financing Instrument in The Approval Phase: Illustrated by M Bank
指导老师：	于仲鸣教授
中文关键字：	理财直接融资工具；项目风险；风险管理；风险评估；风险应对
英文关键字：	The financial direct financing instrument; Project Risk; Risk Mangement; Risk Assessment; Risk response
中文摘要：	2008年以来，持续采用宽松的货币政策是全球各国应对金融危机的主要手段。同年，我国金融体系也通过杠杆持续加码的手段应对危机，由此带来了国内金融体系债务持续活跃，各经济体的债务率同比迅速攀升。在此期间，我国的金融格局也随着各类创新性的金融产品的不断推出产生了深刻的变化，相对应的，监管机构对创新性金融产品的监管也在不断加强。 本文的目的是依据项目风险管理理论和项目风险管理方法，依据国家有关法规和《商业银行理财直接融资工具业务创新试点操作细则》，研究理财直接融资工具在审批阶段的风险管理流程、风险管理方法和风险管理案例，为银行理财直接融资工具的有效运用提供研究成果。 本文是基于理论结合实践的研究原则，运用文献分析、定量分析和实证案例研究等方法。在目前商业银行风险管理理论、项目管理理论和项目管理方法理论的研究基础上对理财直接融资工具的理论进行研究归纳以及规范；同时结合实际案例，对M银行理财直接融资工具审批阶段风险管理进行研究，通过量化风险影响因素的手段，分析理财直接融资工具的风险因素，对风险因素进行识别、评估，并提出应对计划，基于以上所述完成本次研究。 本文以M银行对C公司理财直接融资工具审批阶段的风险管理为研究对象，运用研究内容，识别了C公司理财直接融资工具的风险影响因素，并对风险影响因素进行了量化，运用模糊评价法对风险进行了评估，最终得出评估结果，并根据风险评估结果，提出了C公司理财直接融资工具的风险应对计划。上述研究内容为理财直接融资工具审批阶段的风险管理提供了较为有效的管理方法，具备一定的实用价值和参考价值。
英文摘要：	Since 2008, the continued adoption of loose monetary policy has been the main means for countries in the world to cope with the financial crisis. In the same year, China's financial system also responded to the crisis through leveraged means of continuous over-allocation. As a result, the debt of the domestic financial system continued to be active, and the debt ratio of various economies rose rapidly year-on-year. During this period, China's financial structure has also undergone profound changes with the continuous introduction of various innovative financial products. Correspondingly, the supervision of innovative financial products by regulatory agencies has also been continuously strengthened. The purpose of this paper is to study the risk management process, risk management methods and risk management case of the financial direct financing instrument in the approval phase according to the project risk management theory and project risk management method, according to the relevant national laws and regulations and the “Trial Operation Rules for Business Innovation of Commercial Banks' Direct Financing Instruments”. Providing research results for the effective use of the financial direct financing instrument. This paper is based on the theory combined with practice, using literature analysis, quantitative analysis and empirical case studies. Based on the current research on risk management theory of commercial banks, project management theory and project management method theory, the theory of the financial direct financing instrument is researched and standardized, and the actual risk management case is used to the approval phase of the financial direct financing instrument in M bank. The research analyzes the risk factors of the financial direct financing instrument by means of quantifying risk factors, identifies and evaluates risks, and proposes a response plan. The research is completed based on the above. This paper takes M Bank as the research object of risk management in the approval phase of C company's financial direct financing instrument, and uses the research content to identify the risk influencing factors of C company's financial direct financing instrument, and quantifies the risk influencing factors. The evaluation method evaluates the risk and finally obtains the evaluation result. Based on the risk assessment result, the risk response plan of the C company’s financial direct financing instrument is proposed. The above research content provides a more effective management method for risk management in the approval phase of the financial direct financing instrument, and has certain practical value and reference value.
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