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论文编号：	13656
作者编号：	2320200345
上传时间：	2022/12/5 16:32:14
中文题目：	BH银行资产托管业务风险管理研究
英文题目：	Research on Risk Management of BH Bank''''s Asset Custody Business
指导老师：	王曼舒
中文关键字：	商业银行；资产托管；风险控制
英文关键字：	Commercial banks；Asset custody；Risk Management
中文摘要：	商业银行的资产托管是指商业银行作为独立第三方，与资产委托人、资产管理人签订托管协议或合同，在法律法规和合同约定的范围内，履行资产保管、清算交收、估值核算、稽核监督等职责，切实保护投资者利益。当前我国商业银行的资产托管机制，为资产管理市场的繁荣发展保驾护航，为国家金融安全提供重要保障，已成为我国金融体系中的重要一环。 此次论文主要运用的研究方法有案例分析法、文献研究法、问卷调查法等，首先对托管行业整体的发展和沿革进行了分析，和其他金融发达国家的资产托管业务相比，国内资产托管业务起步较晚，各项制度不够健全完善，这也导致国内资产托管业务仍然存在着很大的风险。较强的风险管理能力是金融机构在这个行业发展的立足之本，也同样是银行资产托管业务开展中需要着力提升的关键之处。本文在针对BH银行资产托管业务发展情况及风险管理现状进行详细的论述分析的基础上，通过对行内资产托管相关从业人员的问卷调查，利用风险矩阵模型，从影响程度和发生概率两个方面对BH银行资产托管业务各个主要环节作出量化的评价，并据此评价结果计算出各环节风险事件的风险得分。针对风险得分较高事件所对应的环节和流程，分析背后原因，并提出了从前端的产品准入流程、客户资质选择，到中台的业务过程管理、系统优化及人才队伍建设培养、考核激励等方面进行优化改善提升。 本文的研究结果对BH银行托管业务的风险管理优化提供了理论依据和决策依据，细化了各环节风险管理的内容和落实保障举措，同时，也为银行业托管业务风险管理提供了方法支持和经验借鉴。
英文摘要：	Asset custody of commercial banks refers to the fact that commercial banks, as an independent third party, sign custody agreements or contracts with asset principals and asset managers and, within the scope of laws, regulations and contracts, perform duties such as asset custody, settlement and settlement, valuation and accounting, audit and supervision, and effectively protect the interests of investors. At present, the asset trusteeship mechanism of Chinese commercial banks, which escorts the prosperous development of asset management markets and provides an important guarantee for national financial security, has become an important part of our financial system. This paper the main research methods used are case analysis, literature research, questionnaire investigation, etc., first of all, the development of trust industry as a whole and evolution are analyzed, and compared to other financial asset custody business of developed countries, domestic asset custody business started relatively late, the system is not sound, leading to domestic asset custody business still exist great risk. Strong risk management ability is the basis for the development of financial institutions in this industry, and it is also the key to promote the development of bank assets custody business. This article on the BH bank asset custody business development situation and the present situation of risk management on the basis of detail analysis, through the inline custody practitioners of questionnaire survey, based on the risk matrix model, from two aspects of influence degree and probability of occurrence of BH bank asset custody business each main link to make quantitative evaluation, According to the evaluation results, the risk scores of risk events in each link were calculated. Aiming at the links and processes corresponding to events with high risk scores, the reasons behind them were analyzed, and optimization and improvement were put forward from the product access process and customer qualification selection at the front end to the business process management, system optimization, talent team construction and training, assessment and incentive, etc. The research results of this paper provide theoretical basis and decision-making basis for the risk management optimization of BH Bank custody business, refine the risk management content of each link and implement security measures, and also provide method support and experience reference for the risk management of banking custody business.
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