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论文编号：	13475
作者编号：	2320200453
上传时间：	2022/12/3 15:42:35
中文题目：	G银行T分行对公结算业务风险管理策略研究
英文题目：	Research on risk management strategy of public settlement business in T Branch of G Bank
指导老师：	李凯
中文关键字：	对公结算；商业银行；风险管理；风险识别；风险防控
英文关键字：	Public Settlement; Commercial Banks; Risk Management; Risk Identification; Risk Prevention And Control
中文摘要：	随着市场经济条件和网络技术的快速发展，金融服务的速度日益加快，创新银行业务的开展对传统商业银行的管理能力提出了越来越大的考验，取消开户许可证的实施及近年电信网络新型违法犯罪案件对银行而言新增了很多风险点，对公结算风险的控制力度逐步增加，受经济下行叠加疫情持续的共同影响，外部风险形态和生成机制更加复杂多元化，商业银行对公结算业务风险暴露和管控压力持续加大，如何识别风险并进行有效控制与管理已经成为商业银行急需解决的问题。 本文在商业银行风险理论、商业银行风险管理与控制理论、风险识别、风险评价等理论基础上，采用文献研究法、专家打分法等相关方法，结合G银行T分行对公结算业务现状，从账户管理、支付结算、企业电子银行及结算产品三方面对当前对公结算业务风险防范问题展开研究。首先，阐述G银行T分行对公结算业务风险现状，其次，结合对公结算业务操作流程，从内部、外部两方面对银行对公结算业务关键控制环节的风险进行识别，识别各项风险事件以及风险的根本产生因素，然后，根据这些风险因素设计专家打分表进行分析与评价，采取矩阵分析评估法评估G银行T分行需要重点关注的风险，最后，通过分析风险产生的根本原因，从而更好地提出风险防控策略，对商业银行对公结算业务风险的预警和管理措施进行了参考和建议，进一步强化了商业银行的风险认识，完善了金融风险防范机制。 商业银行对公结算业务风险识别与防控是一项具有现实意义，有待深入开展探究的课题。随着互联网及现代信息技术的快速发展，商业银行的绝大多数业务流程均已实现信息化，因此对我们的风险控制工作提出了新的要求，需要我们紧跟时代，及时提出和贯彻落实相关的风险防范对策，根据对公结算业务存在的风险，有效提高风险防控效能，为更好地助力商业银行转型发展，提升风险控制力提供保证。
英文摘要：	With the rapid development of market economic conditions and network technology, the speed of financial services is increasingly accelerated, the development of innovative banking business has put the management capacity of traditional commercial banks to an increasing test, the implementation of abolition of account opening licenses and new types of illegal crime cases in telecommunications networks in recent years have added many new risk points for banks,the control of public settlement risks has gradually increased, under the joint influence of economic downturn overlaid with the continued epidemic, external risk patterns and generation mechanisms have become more complex and diversified, the risk exposure and control pressure of public settlement business of commercial banks continue to increase, and how to identify risks and effectively control and manage them has become an urgent issue for commercial banks to solve. Based on the theories of commercial bank risk theory, commercial bank risk management and control theory, risk identification, risk valuation and other theories, this thesis adopts literature research method, questionnaire survey method and other related methods to research the current risk prevention of public settlement business from account management, payment and settlement, enterprise electronic banking and settlement products three aspects, taking into account the current situation of public settlement business in T branch of G bank. Firstly expounds the current situation of the risk of public settlement business in T branch of G bank, secondly combined with the operation process of public settlement business, identify risks in key control areas of public settlement business from both internal and external aspects, then designed expert score sheet for analysis and evaluation based on these risk factors, adopted matrix analysis assessment method to evaluate the risks that need to be focused on, finally, by analyzing the root causes of risks, so as to better propose risk prevention and control strategies, the early warning and management measures for the risks of public settlement business of commercial banks are referred and suggested, which further strengthen the risk awareness and improve the safeguard mechanism of commercial banks. Risk identification and prevention and control of public settlement business of commercial banks is a topic with practical significance and needs to be explored in depth. With the rapid development of the Internet and modern information technology, most of the business processed of commercial banks have been computerized, thus putting forward new requirements for our risk control work, requiring us to keep up with the times, timely propose and implement relevant risk prevention countermeasures, effectively improve the effectiveness of risk prevention and control according to the risks of public settlement business, provide assurance to better assist the transformation and development of commercial banks and enhance the risk control power.
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