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论文编号：	13992
作者编号：	2120213386
上传时间：	2023/6/7 14:21:40
中文题目：	ME银行交易银行业务内部控制研究
英文题目：	Research on Internal Control of Transaction Banking Business of ME Bank
指导老师：	李姝
中文关键字：	ME银行；交易银行业务；内部控制
英文关键字：	ME Bank; Transaction Banking Business; Internal?Control
中文摘要：	近三十年来，我国银行业迅猛发展，已有数家国内商业银行在世界上排名位居前列。近十几年来，互联网金融快速发展、利率市场化逐步推进等诸多因素影响着银行业的发展，国内各商业银行一直紧跟时代发展的步伐，持续不断调整自身的业务模式以适应内外部环境的变化。交易银行业务是银行业务的核心板块之一，如何拓展客户、提升市场竞争力、抢占市场份额、加强内部控制等方面一直是各商业银行研究的重点对象。对于在国内发展尚处于初级阶段的交易银行业务来说，做好内部控制显得尤为重要，良好的内部控制机制是保障交易银行业务健康发展的关键因素之一。 本文基于内部控制理论，从实践出发，本着发现问题、解决问题的宗旨，对优化ME银行交易银行业务内部控制进行了探索。通过对国内外相关文献的梳理，研究内部控制在商业银行交易银行业务中的应用，结合ME银行交易银行业务内部控制情况，发现存在的具体问题，剖析问题成因并提出具有实操性的优化建议，致力于解决ME银行交易银行业务内部控制目前存在的突出问题。本文内容涵盖交易银行业务的现金管理、支付结算、贸易融资、供应链金融共四个业务模块，对于以上四个业务模块分析出九个方面的内部控制问题并提出了优化意见和建议，并就如何具体实施优化意见和建议进行了较为详细的论述。希望ME银行交易银行业务在完善内部控制之后能够更加稳健地发展，同时，希望本次研究ME商业银行交易银行业务内部控制的优化问题能够为国内其他商业银行加强交易银行业务的内部控制提供借鉴。
英文摘要：	In the past thirty years, China's banking industry has developed rapidly, with several domestic commercial banks ranking among the top in the world. In the past decade, the rapid development of internet finance and the gradual promotion of interest rate marketization have influenced the development of the banking industry. Domestic commercial banks have been keeping up with the pace of the times and continuously adjusting their business models to adapt to changes in the internal and external environment. Transaction banking is one of the core sectors of banking business, and how to expand customers, enhance market competitiveness, seize market share, and strengthen internal control has always been a key research topic for commercial banks. For transaction banking business that is still in its early stages of development in China, it is particularly important to do a good job in internal control. A good internal control mechanism is one of the key factors to ensure the healthy development of transaction banking business. This article is based on internal control theory, starting from practice, and with the aim of discovering and solving problems, explores the optimization of internal control in ME Bank's transaction banking business. By reviewing relevant literature at home and abroad, studying the application of internal control in commercial bank transaction banking business, combined with the internal control situation of ME bank transaction banking business, identifying specific problems, analyzing the causes of problems, and proposing practical optimization suggestions, we aim to solve the prominent problems currently existing in ME bank transaction banking business internal control. This article covers four business modules of transaction banking, including cash management, payment settlement, trade financing, and supply chain finance. For the above four business modules, nine internal control issues have been analyzed and optimization opinions and suggestions have been proposed. A detailed discussion has been conducted on how to implement the optimization opinions and suggestions. I hope that the transaction banking business of ME Bank can develop more steadily after improving internal control. At the same time, I hope that this study on the optimization of internal control in the transaction banking business of ME Commercial Bank can provide reference for other domestic commercial banks to strengthen internal control in transaction banking business.
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