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论文编号：	12243
作者编号：	2320180534
上传时间：	2020/12/17 22:05:17
中文题目：	浦发银行国际结算业务风险管理研究
英文题目：	浦发银行国际结算业务风险管理研究
指导老师：	郝臣
中文关键字：	商业银行；国际结算；风险管理
英文关键字：	Commercial Banks; International Settlement; Risk Management
中文摘要：	伴随经济全球化程度的深化，国际结算已变成银行获取收入的关键业务，以其融资风险低、周期短、收益高、成本低、能带动其他业务的发展并带来汇兑差额收益的特点，成为银行间竞争的焦点。中国和美国欧盟等世界主要经济体间贸易摩擦增多等内外因素导致国际结算业务变得越来越复杂。与此同时，我国外汇监管制度逐年放宽、外管局出台促进贸易便利化的政策，使得商业银行在获得利润增长的同时也不能忽视各类风险因素给其带来的影响。因此，银行的运营能力与风控水平迎来更大的挑战，需要其建立一套符合自身发展要求、符合国际结算业务发展现状的风险管理体系和规范化流程。 基于上述背景，论文首先对国际结算、三种国际结算方式以及国际结算风险管理等相关概念进行概述并对国内外相关文献内容进行梳理。然后以浦发银行为例，针对案例银行目前已有的风险展开调研，同时研究其目前推行的管控措施及其成效，归纳出当下风险管理当中出现的问题，发现其在人员管理、流程管理、制度管理、组织架构管理以及系统管理五个方面的不足，并提出具有可行性的优化方案。优化方案具体包括：先明确优化国际结算风险管理的具体要求和思路，再通过优化风险管理体系达到降低风险的作用，其中包括优化目标、激励与约束、优化风险管理流程、优化风险管理保障三方面内容。最后通过完善外汇业务控制体系、优化外汇业务管理组织结构、完善外汇监督工作体系、提高信息系统管理水平、完善黑名单筛查体系以及优化现有的考核机制六个方向提出具体的优化建议。 通过本文的案例研究可以发现国际结算业务风险管理除了需要从人员管理、流程管理、制度管理、组织架构管理、系统管理这五方面重新进行优化外，还需在风险识别、风险评估、风险监控过程中与传统结算业务做区分，考虑到现如今国际结算业务的实情，构建与其相适用的风险管理体系。在新的国际贸易形势下，没有国际结算业务就没有繁荣的国际市场，商业银行若要占据稳固的竞争地位，就必须创新风险防范手段，树立正确的发展理念从而实现银行与企业在国际业务的良性合作，以期实现又好又快且风险可控地发展。
英文摘要：	With the deepening of economic globalization, international settlement has become the key business for banks to obtain income. It has become the focus of inter-bank competition because of its low financing risk, short cycle, high income, low cost, and can drive the development of other businesses and bring exchange balance income. The international settlement business is becoming more and more complex due to internal and external factors such as the increase of trade friction between China, the United States, the European Union and other major economies in the world. At the same time, China's foreign exchange regulatory system has been relaxed year by year, and the safe has issued policies to promote trade facilitation, so that commercial banks can not ignore the impact of various risk factors while gaining profits. Therefore, it is necessary for banks to establish a set of risk management system and standardized process in line with their own development requirements and the development status of international settlement business. Based on the above background, this paper first summarizes the concepts of international settlement, three international settlement methods and international settlement risk management, and sorts out the relevant literature at home and abroad. Then, taking Shanghai Pudong Development Bank as an example, this paper investigates the existing risks of the case bank, studies its current management and control measures and their effectiveness, sums up the problems in the current risk management, finds out the deficiencies in personnel management, process management, system management, organizational structure management and system management, and puts forward feasible optimization scheme.The optimization scheme includes: firstly, the specific requirements and ideas for optimizing the risk management of international settlement are clarified, and then the risk management system is optimized to reduce the risk, which includes optimization objectives, incentives and constraints, optimization of risk management process and optimization of risk management guarantee. Finally, through improving the control system of foreign exchange business, optimizing the organizational structure of foreign exchange business management, improving the foreign exchange supervision system, improving the management level of information system, perfecting the blacklist screening system and optimizing the existing assessment mechanism, specific optimization suggestions are put forward. Through the case study of this paper, we can find that the risk management of international settlement business needs to be optimized from five aspects: personnel management, process management, system management, organizational structure management and system management. Besides, it also needs to distinguish from traditional settlement business in the process of risk identification, risk assessment and risk monitoring The corresponding risk management system. In the new international trade situation, there will be no prosperous international market without international settlement business. If commercial banks want to occupy a stable competitive position, they must innovate risk prevention means and establish correct development concept, so as to realize the benign cooperation between banks and enterprises in international business, so as to realize sound, rapid and controllable development.
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