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论文编号：	11544
作者编号：	2320170668
上传时间：	2020/4/15 17:14:50
中文题目：	中国J银行北京分行风险管理体系提升对策的研究
英文题目：	Research on enhancing strategy of Risk Management System in China J Bank Beijing Branch
指导老师：	周晓苏
中文关键字：	银行业；风险管理体系；巴塞尔协议
英文关键字：	Banking industry; Risk management system; The Basel Accord
中文摘要：	近些年，全球经济呈现一种向外扩张、高速发展的态势，金融市场的起伏变化尤其显著，这是因为金融市场对于市场经济的变化最为敏感。在这样多变的金融市场下，金融机构无疑成为了高风险的代名词，银行业作为金融机构里最重要的分支，面对多变的市场环境和经济形势，如何保持稳中有进的发展趋势是银行业亟待解决的问题。风险管理担负着监测银行业财务状况和推动银行业持续经营的职责，所以提高风险管理水平俨然成为了当今银行业核心战略之一。根据《巴塞尔协议》的要求，建立健全风险管理体系是提高风险管理水平的首要前提，是切实完成国际新指标的重要保障，因此本论文以风险管理体系作为研究要点。 本文首先回顾了国外的理论研究成果以及国内的风险管理理论发展，随后着重阐述了有关风险、银行风险管理和银行业风险管理体系的相关概念，提取了《巴塞尔协议》I、II、III每次改革的核心内容，以及中国版“巴塞尔协议”对国内银行业的具体要求细则，简要说明了《巴塞尔协议》最终版对我国银行业未来风险管理的指引作用；接着，理论联系实际，以中国J银行北京分行作为研究对象，结合中国银监会的相关管理条例，并依据《银行业金融机构全面风险管理指引》中对于风险管理体系的构建要求，从风险管理组织架构、风险管理策略、风险管理政策和流程、风险管理的信息技术支持、内部审计五方面对北京分行实际工作中由于风险管理体系缺陷反映在信用风险和操作风险上的问题进行分析，并查找问题的原因。最后，针对问题提出了北京分行风险管理体系的提升对策。 本文的研究结果有助于中国J银行北京分行构建更为完善的风险管理体系，从而提升风险管理水平适应市场环境，以及《巴塞尔协议》III最终版的实施。希望我国银行业能稳步向前，为实体经济做好支持保障，为国家经济发展做出贡献。
英文摘要：	In recent years, the global economy has shown a trend of outward expansion and rapid development. The fluctuations of financial markets are particularly significant, because of its most sensitivity on the changes of market economy. In such a volatile financial market, financial institutions have become synonymous with high risk undoubtedly. As the most important branch of financial institutions, facing the changeable market environment and economic situation, how could banking industry maintain the steady and progressive development trend, is an urgent problem to be solved. Risk management has the responsibility of monitoring the financial situation of the banking industry and promoting the continued operation of the banking industry, therefore, improving the level of risk management has become one of the core strategies of the banking industry. According to the requirements of the Basel Accord, the establishment of a sound risk management system is the first prerequisite to improve the level of risk management, is an important guarantee to effectively complete the new international indicators, so this paper takes risk management system as key point of the study. This paper first reviews the theoretical research results of other countries and the development of domestic risk management theory, then focuses on the exposition of relevant concepts related to risk, bank risk management and banking risk management system, extracts the core content of each reform of Basel Accord I, II and III, and the specific requirements of the domestic banking industry in Chinese version of the Basel Accord, and briefly illustrates the guidance role of final version Basel Accord to our country banking risk management in the future; then, with the theory combining practice, taking the Beijing branch of China J Bank as the research object, combining with the relevant regulations of the China Banking Regulatory Commission, and according to the requirements of constructing of risk management system in "Comprehensive Risk Management Guidelines for Banking Financial Institutions", this paper analyses the problems existing in the current risk management system of Beijing branch from five aspects: risk management organization structure, risk management strategy, risk management policy and process, risk management information technology and data quality control mechanism, internal audit, and find out the cause of the problems. Finally, the improvement countermeasure of Beijing branch risk management system is put forward in view of the problems. Finally, the improvement countermeasure of Beijing branch risk management system is put forward in view of the problem. The research results of this paper will help The Beijing branch of China J Bank to establish a better risk management system, so as to improve the level of risk management, adapt to the market environment, and the implementation of the final version of the Basel Accord. It is hoped that China's banking industry can move forward steadily, to provide support for the material economy and contribute to the country's economic development.
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