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论文编号：	1148
作者编号：	2220070556
上传时间：	2009/6/9 21:14:41
中文题目：	我国商业银行操作风险控制研究
英文题目：	China''s commercial banks to c
指导老师：	李莉
中文关键字：	商业银行;操作风险;风险控制
英文关键字：	commercial banks;operational r
中文摘要：	近年来，操作风险给商业银行带来了巨大的损失，给社会造成了巨大的影响。它是当前商业银行风险管理最为薄弱的领域之一，受到了各国银行业及监管当局的重视。巴塞尔银行监管委员会在新资本协议中明确将操作风险列为继信用风险和市场风险之后的商业银行第三大风险，但有关操作风险的实践探索和理论研究仍较为滞后。随着我国商业银行的发展，面临的操作风险复杂多变，因此，加强操作风险控制和管理的研究，全面提升操作风险控制和管理水平已成为我国商业银行亟待解决的问题。 全文围绕我国商业银行操作风险控制研究这个论题，首先，从选题的研究背景、研究意义、研究方法和研究内容等方面概述了论文的总貌。其次，以有关银行风险的基本理论、操作风险的基本理论和操作风险管理的基本理论为指导，采取理论与实践相结合、国内与国外相结合、实务与案例相结合、数据与图表相结合的方法，在分析我国商业银行操作风险控制的问题和成因的基础上，以成本/效益和控制有效性为原则，根据作者的工作积累和思考，结合我国商业银行的经营情况、业务领域、内设部门职责，将我国商业银行操作风险发生的业务领域分为柜台业务、法人信贷业务、个人信贷业务、资金交易业务和代理业务五大业务线，提出相应的内部控制措施以及通过风险转移（包括购买保险、业务外包）和风险留置（包括计提损失准备金、业务持续计划）有效降低操作风险损失，在此基础上构建了一套适合我国商业银行的操作风险控制模式。并以农业银行为例，来验证这套模式设计方案的可行性。最后，从总结和展望两个方面，说明操作风险控制是一个复杂的系统工程，也是一个崭新的课题。通过对此问题的探讨与研究，全文得出了5条研究结论。随着社会与商业银行的不断发展变化，新的问题层出不穷，对此问题的研究永无止境，为此，对今后的研究提出了一些新的建议。
英文摘要：	In recent years, the operational risk to the commercial banks has brought huge losses to society caused great impact. It is the commercial bank risk management, one of the most vulnerable areas, has been the banking industry and the regulatory authorities in countries of great importance. Basel Committee on Banking Supervision in the new Capital Accord will be clearly classified as operational risk, following the credit risk and market risk after the third-largest commercial bank risk, but the practice of operational risk related to the exploration and theoretical research is still lagging behind. With the development of China's commercial banks face the risk of the operation of complex and changeable, therefore, to strengthen the operational risk control and management of research, to enhance the operational risk control and management of commercial banks in China has become a serious problem. In this paper, China's commercial banks around the control of operational risk in the subject, first of all, research subjects and the background to study the significance of research methods and research content of papers provides an overview of the overall appearance. Secondly, the risk of the bank's basic theory, basic theory of operational risk and operational risk management of the basic theory as a guide, take a combination of theory and practice, a combination of domestic and abroad, combining the practical with the case, the combination of data and charts method of analysis of China's commercial banks to control operational risk and the causes of the problem on the basis of cost / benefit and control of the validity of the principle of accumulation based on the author's work and thinking in light of China's commercial banks operating, business areas, within the responsibilities for departments to risk China's commercial banks to operate the business occurred in the counter is divided into business, corporate business credit, personal credit, capital transactions and agency business five business lines, the corresponding internal control measures and the adoption of risk transfer (including the purchase of insurance, outsourcing) and the risk of catheter (including provision for loss reserves, Business Continuity Plan) to reduce the operational risk losses, on this basis to build a set for China's commercial banks to control operational risk model. And the Agricultural Bank as an example, to validate this model the feasibility of the design. Finally, summary and outlook from the two aspects of risk control instructions is a complex systematic project, which is also a brand new topic. This issue through discussion and research, the paper reached the conclusion of the study 5. With the social and commercial banks in the continuous development and changes, new problems emerged one after another, endless research on this issue, to that end, future research to put forward some new proposals.
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