联系我们

论文查询结果	返回搜索

论文编号：	14402
作者编号：	2320213834
上传时间：	2023/12/13 17:11:42
中文题目：	数字化背景下P银行企业结算账户风险管理研究
英文题目：	Research on the Risk management of Enterprise settlement account of P Bank
指导老师：	车建国
中文关键字：	企业银行结算账户；数字化；风险管理；账户服务
英文关键字：	Enterprise Bank Settlement Account; Digitalization; Risk Management; Account Service
中文摘要：	企业银行结算账户是社会组织进行支付结算的介质，同时也是银行为社会组织提供各项金融服务的基础。随着互联网发展、数字化转型、监管政策变化、社会经济发展，账户服务需求多元化，企业银行结算账户风险管理已从单纯的“防控操作风险”向“通过风控体系综合防控操作风险、法律法规风险、舆情风险、涉赌涉诈风险、经营风险（同业竞争）”转变，给商业银行风险管理带来了空前压力。同时，近年来互联网、大数据、人工智能、云计算等先进技术迭代创新，日益融入社会与经济发展的各领域、全过程，加快推进了各行各业数字化转型。“十四五”规划明确了建设网络强国、数字中国的重要战略任务，国家部署了“构建产业数字化转型发展体系”重大任务，商业银行作为金融系统的重要组成部分，努力探索银行业务风险防控数字化转型，弥补企业银行结算账户类常规传统业务风险管理上的短板。 本文以P银行企业银行结算账户风险管理为研究对象。首先介绍了银行结算账户风险管理在国内外研究情况以及相关理论知识。其次，阐述了P银行企业银行结算账户业务风险管理的现状，运用风险管理理论与相关研究方法对企业银行结算账户的风险进行了识别、分析与评估，本文运用逻辑回归模型，将企业银行账户风险发生的概率为因变量，选取13项指标作为自变量，通过模型分析，研究这13项风险因素与企业银行结算账户风险发生的相关性，从而找到账户风险防控的关键要项。最后，根据风险识别、分析、评估结果，提出了在数字化转型的背景下，充分利用数字与科技手段强化风险控制P银行企业银行结算账户风险意见建议，完善账户风险管理。 本论文对P银行企业银行结算账户风险管理进行的现状识别、问题剖析与评估、提出改进建议等，加深了对账户风险管理要求的理解，揭示风险管理过程中的问题，给予以后的研究者新的借鉴，拓宽商业银行对企业银行结算账户风险管理的思路，对平衡、共促优化账户服务与维护金融稳定也具有实际意义。
英文摘要：	Bank settlement account is the starting point and end point of social capital activities, and it plays an irreplaceable role in social reproduction, re-circulation and re-consumption through capital turnover and capital liquidation. Enterprise bank settlement account is the medium for social organizations to pay and settle, and it is also the basis for banks to provide various financial services to social organizations. At present, commercial banks need to actively implement the major policy of "optimizing the business environment" proposed by the state, pay close attention to the changes in the financial environment, and continuously optimize the business services of corporate bank settlement accounts. The settlement account business of commercial banks has changed from the simple prevention and control of "operational risk" to the management of "operational risk, legal risk, public opinion risk, credit risk" and other multiple comprehensive risks. At the same time, in recent years, the Internet, big data, cloud computing, artificial intelligence and other technologies have accelerated innovation, increasingly integrated into the whole process of economic and social development, and accelerated digital transformation, which is an important strategic task of building a network power and digital China during the "14th Five-Year Plan" period. The state has deployed a major task of "building an industrial digital transformation and development system". The development direction of digital transformation has been clarified. Commercial banks, as an important part of the financial system, strive to explore the digital transformation of banking risk prevention and control, and make up for the deficiencies in the risk management of conventional traditional business such as enterprise bank settlement accounts. This thesis takes the risk management of enterprise bank settlement account of P Bank as the specific research object. Firstly, this dissertation introduces the research situation of bank settlement account risk management at home and abroad and the relevant theoretical knowledge involved in bank settlement account management. These discussions provide theoretical support for the improvement of P Bank's enterprise bank settlement account risk management, and lay a certain theoretical foundation for its specific improvement practice. Secondly, this dissertation expounds the current situation of the risk management of P Bank's enterprise settlement account business, and analyzes the risk factors and deficiencies in the risk management of P Bank's enterprise settlement account business through typical cases and data regression models. Finally, some suggestions are put forward to improve the risk management of P Bank's enterprise bank settlement account. For example, streamline business processes, system digital transformation, improve performance system construction, reshape scientific and technological research and development, and create person-time training system. This thesis analyzes the existing problems in the risk management of P Bank's enterprise bank settlement account and makes suggestions for improvement, which can be used as a reference for the relevant departments of commercial banking, and also has practical significance for improving the business environment, maintaining financial stability and enhancing the level of financial services.
查看全文：	预览  下载(下载需要进行登录)