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论文编号：	11932
作者编号：	2320170746
上传时间：	2020/8/13 6:24:49
中文题目：	TB农商行财务风险管理研究
英文题目：	Research on Financial Risk Management of TB Rural Commercial Bank
指导老师：	梅丹
中文关键字：	关键词：商业银行;财务风险;管理
英文关键字：	Key words: Commercial bank; Financial risk; Management
中文摘要：	近年来随着银行业内外部环境的变化，各银行之间的竞争越来越激烈，加之银行自身经营所存在的高风险性，各商业银行潜在的财务风险有逐渐加大的趋势。在我国，除却五大国有银行及12家股份制商业银行外，还存在着众多规模较小的城市商业银行、农村商业银行及村镇银行。这些小规模的银行中，由于发展时间较短、起步较晚，与传统大型商业银行在财务风险的管理上存在较大的差距。因此，探讨如何提高农村商业银行财务风险管理，构建农村商业银行财务风险防控体系具有理论和现实意义。 本文以TB农商行为研究对象，结合现有的理论基础，采用案例分析法、数据分析法、因素分析法等方法深入探究TB农商行现有的财务风险管理状况，分析其存在的问题及提出相应的改进措施。本文主要分为以下几个部分：第一部分着重阐述本文研究的背景和意义，在前人研究的基础上总结现有理论成果，同时阐明本文的研究内容和研究思路；第二部分重点梳理理论部分，对风险与财务风险理论、财务风险管理的概念、种类、流程等进行介绍；第三部分重点分析TB农商行财务风险管理现状，阐述了TB农商行的概况及经营现状、人员构成等情况，从资本充足性、资产质量、赢利性风险和资金流动性四个方面分析了TB农商行财务风险管理的识别和评估现状，并介绍了TB农商行财务风险管理的控制和监测方法；第四部分从TB农商行财务风险识别、控制等多个角度分析其在财务风险管理上存在的问题；最后，根据前述的分析，提出针对TB农商行财务风险管理的优化建议。 关键词：商业银行；财务风险；管理
英文摘要：	Bank operation risk is an important part of the risk of commercial banks. In recent years, with the changes in the external environment of the banking industry, various major cases and frequent cases caused by operational risks have become the most common type of risk causing bank risk loss. One. Compared with foreign banks, domestic banks' management of operational risks is still relatively backward. The research on operational risks is still in the overview of general theories and the discussion stage of the New Basel Accord. The procedures, methods and means of circumvention have yet to be strengthened. Therefore, it is of theoretical and practical significance to explore how to improve the operational risk management of commercial banks and construct a commercial bank operational risk prevention and control system. In this paper, based on the case of TB agricultural and commercial bank, combining with the existing theoretical basis and research cases, the methods of case analysis, data analysis and factor analysis are used to probe into the existing financial risk management of TB agricultural and Commercial Bank, the existing problems are analyzed and the corresponding improvement measures are put forward. This paper is mainly divided into the following parts: the first part focuses on the background and significance of this study, on the basis of previous research summarized the existing theoretical results, while clarifying the content and research ideas of this paper; The second part focuses on the theory of risk and financial risk, the concept of financial risk management, characteristics, classification, indicators, theoretical basis and so on are introduced and summarized the methods of Financial Risk Management of commercial banks; The third part focuses on the analysis of TB Agricultural Bank of Commerce financial risk status, introduced TB Agricultural Bank of Commerce general situation and organizational structure, personnel composition, etc. , in the form of data, this paper analyzes the existing financial situation and potential financial risks of TB Agricultural Bank of Commerce The fourth part analyzes the problems and causes of TB agricultural and Commercial Bank's financial risk management from the perspectives of its financial risk management framework, implementation capability and control level, in order to improve the level of financial risk management, this paper puts forward some suggestions on financial risk management of agricultural and Commercial Bank of China TB.Through the research, the paper draws the following conclusions: In order to effectively prevent and control operational risks, we should first cultivate a loyal and cautious corporate culture, improve the operational risk organization management system, and improve the literacy of employees; secondly, from the perspective of the operating system, it should be combined with business processes and control rules. The formation of targeted intelligent risk control; once again from the industry's positive external effects and other aspects of the corresponding sharing strategy to make China's commercial banks operational risk prevention and control to produce better synergy. Key words: Commercial bank; Financial risk; Management
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