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论文编号：	11125
作者编号：	2320170318
上传时间：	2019/12/7 11:01:52
中文题目：	商业银行信贷业务操作风险的研究
英文题目：	Research on Operational Risk of Commercial Bank Credit Business
指导老师：	张玉利
中文关键字：	商业银行；信贷业务；操作风险；风险控制
英文关键字：	commercial bank; Credit business; operational risk; risk control
中文摘要：	银行作为一个高风险行业，在提供金融产品的同时，也承担了极大的风险。商业银行在经营过程中，面临的风险种类很庞杂，信贷业务操作风险只是其中一种。在银行建立的初期，这种风险就伴随始终，只是在漫长的发展过程中，一直没有对此类风险提起足够的重视。随着巴塞尔协定对操作风险的重新定义，使得这一概念再一次受到广泛的重视和关注。 近几年，在经济环境整体下行的形势下，我国的商业银行开始逐渐暴露出因忽视信贷业务操作风险的危害性，同时内部风险控制不足，导致自身利益严重受损的现状。随着金融强监管时代的到来，加强商业银行内部风险控制，深化银行经营合规意识，有效规避信贷业务操作风险，成为当下金融机构急需解决的问题。 本文主要包含四个方面的内容。首先从《巴塞尔新资本协议》出发，联系我国商业银行信贷业务的现状，对操作风险的概念和范围进行准确定义和理解，并对其分类进行深入的分析。特别是借鉴了国际上一些主要的风险分类，对我国的信贷业务操作风险进行了更全面细致的分类。其次，通过对国内商业银行信贷业务的现状进行合理分析，结合笔者在实际工作中遇到的问题，总结归纳目前信贷业务操作流程及风险管理方面存在的缺陷及不足。再次，以浦发银行成都分行掩盖不良贷款案件为例，对商业银行信贷业务操作风险进行了实证分析，深入剖析了商业银行相关信贷管理制度上的缺陷。最后，围绕前面总结的商业银行在信贷流程、风险识别手段及内部控制等方面的漏洞，基于对操作风险的重新理解，对目前存在的现象有针对性的提出五大项改善措施，并将每一类别下的措施进行细化分析。 论文不仅着重对操作风险产生原因的共性进行了归纳总结，同时依托典型案例的剖析，以数字和实际案例更形象、直观的表达出操作风险的危害。并在此基础上，对商业银行系统内普遍存在的问题有针对性的提出改进方案，希望能为类似的金融机构提供更多的思路和参考价值。
英文摘要：	As a high-risk industry, the banks also take great risks while providing financial products. In the course of business operations, commercial banks are faced with a wide variety of risks, and the operational risk of credit business is only one of them. However, in the early days of bank establishment, this kind of risk was always accompanied, but in the long process of development, there has been no adequate attention to such risks. With the redefinition of operational risks in the Basel Accord, this concept has once again received extensive attention and value. In recent years, under the overall downward economic conditions, China's commercial banks have gradually exposed the danger of neglecting the operational risks of credit business, while the internal risk control is insufficient, resulting in serious damage to their own interests. With the advent of the era of strong financial supervision, strengthening the internal risk control of commercial banks, deepening the sense of bank operation compliance, and effectively avoiding the operational risks of credit business have become an urgent problem for financial institutions. This article mainly contains four aspects. Firstly, starting from the Basel New Capital Accord, we will contact the status quo of China's commercial bank credit business, accurately define and understand the concept and scope of operational risk, and conduct an in-depth analysis of its classification. In particular, it draws on some major international risk classifications and conducts a more comprehensive and detailed classification of the operational risks of credit business in China.Secondly, through the reasonable analysis of the status quo of domestic commercial bank credit business, combined with the problems encountered by the author in the actual work, summarizes the defects and shortcomings in the current credit business operation process and risk management.Thirdly, based on the loopholes in the credit process, risk identification means and internal control of commercial banks summarized above, based on the re-understanding of operational risks, five major improvement measures are proposed for the existing phenomena, and each will be The measures under the category are refined.Finally, taking the case of the non-performing loan case of the Pudong Development Bank Chengdu Branch as an example, an empirical analysis of the operational risk of commercial banks' credit business was conducted, and the defects of the relevant credit management system of commercial banks were deeply analyzed. The thesis not only focuses on the commonality of the causes of operational risks, but also relies on the analysis of typical cases to express the hazards of operational risks more vividly and visually in terms of numbers and actual cases. On this basis, it proposes an improvement plan for the common problems in the commercial banking system, hoping to provide more ideas and reference values for similar financial institutions.
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