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论文编号：	11995
作者编号：	2320180765
上传时间：	2020/12/9 12:09:20
中文题目：	中国银行天津分行电子汇票业务风险防控研究
英文题目：	Research on Risk Management of The Electronic Bill Business of Tianjin Branch of Bank of China
指导老师：	李莉
中文关键字：	商业银行;电子汇票;风险防控
英文关键字：	Commercial Bank;The Electronic Bill;Risk Management
中文摘要：	作为服务实体经济的重要支柱，我国票据市场正发挥着越来越重要的作用。在票据融资职能不断加强的情况下，中小企业的融资困境也随之改善；同时，票据业务作为商业银行的基础业务，其健康稳定发展是商业银行提升资产质量、提高利润增长点、提升核心竞争力的重要保障。高质量的票据风险防控体系是票据市场高质量运行的重要保障。尤其在2016年上海票据交易所上线之后，票据电子化进程大大加快，票据的流动性和票据资金融通的职能不断增强，各种乱象不断显现。在电子票据业务实践中，各种风险因素交织，对商业银行票据业务风险防控体系提出了巨大的挑战。 本文以中国银行天津分行电子汇票业务风险作为研究对象，采用案例研究等方法，结合电子汇票业务的发展现状，针对在业务开展过程中产生的操作风险进行分析，从银行系统内外部两个方面提出完善电子汇票业务风险防控体系的建议，得出本文研究结论。本文绪论部分介绍了研究背景及研究意义、创新点。第二章介绍了研究理论基础及票据业务相关概念。第三章结合银行内部相关风险案例，提出风险控制问题。第四章按照监管框架完善具体风险防控体系的改进方案。第五章为电子汇票业务风险防控提供保障措施。 本文的研究结论如下：电子汇票业务风险来源于商业银行内外部两个方面，且两者相互交织影响，加大了风险防控的难度。电子汇票业务风险防控体系的完善要结合具体的业务流程进行，在事前准入、事中操作和事后回顾三个方面设计具体可行的防控措施。商业银行应当优化流程、完善制度，并建设一支专业的人才队伍。本文的研究结论对规范商业银行电子汇票业务经营具有一定借鉴意义，细化了操作流程中风险控制手段的改进措施，有助于优化票据市场生态环境，提升金融市场整体的稳定性。本文共有图16幅，表3个，参考文献41篇。
英文摘要：	As a vital pillar, The Bill Market is playing a significant role in serving the real economy. The enhancing of The Bill Business’ financing function improves the financial environment of small and medium sized enterprises; at the same time, as the basic business of commercial banks, its healthy and stable development is an important guarantee for commercial banks to improve asset quality, increase profits and enhance core competitiveness. High quality of the risk-controlling mechanism ensure the operation of the bill market with high quality. Especially after the Shanghai Commercial Paper Exchange Corporation was launched in 2016, the process of electronic bills has been greatly accelerated, the liquidity of bills and the function of financing bills have been continuously enhanced, and all kinds of chaos have been emerging. Various risk factors overlap and interweave in The Electronic Bill Business, which poses a great challenge to the risk management of commercial bank's bill business. This paper takes the risk of The Electronic Bill Business of Tianjin Branch of Bank of China as the research object, adopts case study methods, combined with the present situation of The Electronic Bill Business, analyzes the operational risk in the process of The Bill Business, puts forward suggestions to improve the risk-controlling mechanism of The Electronic Bill Business from the internal and external aspects of the banking system, and draws conclusions from the research. In the introduction part of this paper, it introduces the background and significance of this study, and expounds the research innovation. The second chapter mainly study theoretical basis and related concepts of The Bill Business. The third chapter put forward the problem of risk management with case studies of Tianjin Branch of Bank of China. The fourth chapter perfects specific risk management System according to regulatory framework. The fifth chapter provides guarantee measures to the risk management of The Electronic Bill Business. The main conclusions of this paper can be summarized as: The risk of The Electronic Bill Business comes from both internal and external aspects of commercial banks, they interact with each other, increasing the difficulty of the risk management. The improvement of the electronic bill business risk prevention and control system should be combined with specific business processes. Specific and feasible prevention and control measures should be designed in three aspects: pre-access, in-process operation and post-review. Commercial banks should optimize processes, improve systems, and build a professional talent team. The research conclusions of this paper have a certain reference significance for regulating the operation of the electronic bill of commercial banks. It refines the improvement measures of risk control methods in the operation process, which helps to optimize the ecological environment of the bill market and enhance the overall stability of the financial market. In this paper, there are 16 figures, 3 tables and 41 references.
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