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论文编号：	11142
作者编号：	2320170589
上传时间：	2019/12/7 17:27:47
中文题目：	CT银行操作风险的内控管理优化研究
英文题目：	The study on internal control management optimization of operational risk in CT bank
指导老师：	覃家琦
中文关键字：	商业银行；操作风险；内控管理制度
英文关键字：	commercial bank, operational risk, internal control management system
中文摘要：	近年来,我国商业银行迅猛发展,金融产品日新月异,但高速发展不仅带来了经济繁荣,更衍生出了各类操作风险事件,不但给客户群体带来经济损失，还给金融机构造成了巨大的经营危机与声誉危机。目前,商业银行对于操作风险事件给予高度关注,试图通过制定、完善各项规章制度来健全内控体系,从而降低操作风险事件的发生。本文列举了CT银行真实发生的各类操作风险事件,通过对风险事件的发生原因、发生经过、及结果损失进行深入剖析来找出CT银行内部风险管控体系存在的疏漏,并为其健全风险内控制度建设提出合理化建议。 本文共分为6个章节:第一章是引言,通过分析商业银行操作风险的现状与危害来阐述本文选题的意义,论证防控操作风险对于商业银行持续发展的必要性与重要性。第二章回顾了与操作风险和内部风险管理控制有关的理论和国内外的文献研究,分析了商业银行操作风险的概念、分类和特征情况。第三章通过对我国商业银行运营操作风险的现状及特征进行研究，论述健全、完善商业银行内部风险管控制度的重要性。第四章为CT银行运营操作风险案例解析,通过列举四个不同类型的操作风险事件来深入剖析CT银行风险内控管理过程中存在的缺陷与漏洞。第五章则结合第四章列举的风险案例,对CT银行操作风险内控体系建设提出合理化建议,有利于其稳健、高效的运营。第六章是本文的研究和展望,反省本文存在的不足之处并对未来研究方向进行预期。 本文将基础理论与实际案例相结合，深入剖析CT银行操作风险事件形成的原因及经过，在指出其管理漏洞的同时，运用全新的思路与视角，为完善CT银行操作风险内控体系提出合理的对策与建议。
英文摘要：	In recent years, China's commercial Banks have been developing rapidly and financial products are becoming more and more diversified. However, the rapid development has not only brought economic prosperity, but also derived all kinds of operational risks, which brought huge losses to both customers and Banks. At present, commercial banks pay high attention to operational risk events and try to improve the internal control system by formulating various rules and regulations. Taking various operational risk events of CT bank as examples, this paper analyzes the defects in its risk management, and puts forward relevant suggestions for the construction of its internal control system. This paper is divided into six chapters. The first chapter is the introduction, which elaborates the background and significance of this topic, and discusses the importance of commercial Banks to strictly control operational risks. Chapter two reviews relevant theories , literature review and expounds the definition, characteristics, types and other elements of operational risk. The third chapter analyzes the current situation of operational risk of commercial Banks in China and the importance of internal risk control system for risk management. The fourth chapter analyzes the operational risk cases of CT bank, and deeply analyzes the defects in the internal risk control management process of CT bank by enumerating four different types of operational risk events. The fifth chapter, combined with the risk cases listed in the fourth chapter, puts forward reasonable suggestions for the construction of CT bank internal risk control system. The sixth chapter is the research and prospect of this paper, it points out the shortcomings of this paper and put forward the forecast. This paper combines basic theories with practical cases to deeply analyze the causes and process of the formation of operational risk events in CT bank. While pointing out its management loopholes, it also puts forward reasonable countermeasures and suggestions for the improvement of the internal control system of operational risk in CT bank by using new ideas and perspectives.
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