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论文编号：	1136
作者编号：	2220070572
上传时间：	2009/6/9 19:57:41
中文题目：	商业银行中间业务风险管理研究
英文题目：	The intermediate business of r
指导老师：	陆宇建
中文关键字：	中间业务,风险管理>
英文关键字：	Intermediary businessRisk Man
中文摘要：	随着全球范围内金融自由化程度的不断加深和金融行业竞争的加剧、市场需求的扩大与金融管制的放松等诸多因素的影响，银行经营环境发生了重大变化,商业银行中间业务正在成为中国银行业在新形势下发展的焦点和新的增长点,商业银行中间业务的风险管理随着中间业务的兴起而被提上日程。因而，研究和探索我国商业银行中间业务的风险管理策略，具有重要的理论意义和现实指导意义。 中间业务风险管理包含在整个银行风险管理的大框架中，所以在对商业银行中间业务风险管理进行探讨时，本文以整个金融风险管理理论为基础，并简单介绍了金融风险管理理论的发展过程。巴塞尔委员会文件中关于中间业务风险管理的部分是目前国际上最为成熟的中间业务风险管理理论的应用和体现，是最为宝贵的中间业务风险管理经验，对我国的中间业务风险管理具有重要的借鉴意义。 本文阐述了我国商业银行发展中间业务面临的主要风险，并对中间业务的主要风险逐一分析。根据我国商业银行中间业务发展现状，从制度、管理、法律环境等几个方面，客观地与国外银行进行了比较，指出国外商业银行中间业务风险管理可以借鉴的经验，从而提出符合我国国情的商业银行中间业务风险管理对策，并认为应从以下几个主要方面加强中间业务风险管理：一是加强外部金融监管，二是完善中间业务风险管理组织机构，三是完善中间业务规章制度和操作规程，四是建立管理型金融会计核算体系，五是加强中间业务的内部控制制度。 关键词：中间业务 风险管理 商业银行
英文摘要：	With the global extent of financial liberalization and financial sector deepening competition, the expansion of market demand and financial deregulation, and many other factors, Bank of the business environment has undergone major changes, intermediate business of commercial banks is becoming China's banking sector in the new situation and the focus of the development of a new growth point, intermediate business of commercial banks in risk management with the emergence of intermediary business has been put on the agenda .Thus, to study and explore the middle of China's commercial banks on the risk management strategy, an important theoretical and practical significance. Intermediate business risk management is included in the entire banking risk management in the broad framework, so in the middle of the commercial banks to explore business risk management, the paper the entire financial risk management theory, and briefly introduced the theory of financial risk management development process. Basel Committee paper on the middle part of the operational risk management is the most mature of the international risk management intermediary business applications, and the theory of embodiment is the most valuable business risk management experience in the middle of China's intermediary business risk management is important reference significance. This paper describes the development of China's commercial banks to the middle of the main risks facing the business and intermediary business to analyze the main risk. According to China's commercial banks to develop intermediary business status, From the system, management, legal and environmental aspects, the objective with the foreign banks were compared, pointing out that the intermediate business of commercial banks abroad, risk management experience. With China's national conditions in order to make the intermediate business of commercial banks risk management measures, and that the following aspects should be to strengthen the middle management of business risks: The first is to strengthen the external financial supervision, and the other is to improve risk management intermediary business organizations, The third is to improve the middle of business regulations and rules, the four managed to establish financial accounting system, the five is to strengthen the middle of the internal control system business. key words：Intermediary business Risk Management Commercial banks
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