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论文编号：	15061
作者编号：	2320224028
上传时间：	2024/12/9 22:43:41
中文题目：	B城市商业银行天津分行操作风险管理改进研究
英文题目：	Research on the Improvement of Operational Risk Management of B Urban Commercial Bank Tianjin branch
指导老师：	武立东
中文关键字：	操作风险；商业银行；管理改进
英文关键字：	Operational Risk; Commercial Banks; Management Improvement
中文摘要：	近年来，一系列操作风险事件频频被曝光，不仅给商业银行带来了实质性的经济损失，还引发了社会各界的广泛关注。2023年《商业银行资本管理办法》引入了差异化的操作风险资本计量框架，2024年《银行保险机构操作风险管理办法》将操作风险管理体系的构建从原先的“指导性”原则提升到了“强制性”要求的新高度。 在此背景下，本文基于全面风险管理理论、操作风险管理理论、行为金融学理论、委托代理理论，将B城市商业银行天津分行作为研究对象，采用文献综述与案例分析相结合的方法，旨在为该行的操作风险管理提出针对性的改进建议，以期提升其管理能力，并为其他商业银行有效防范操作风险提供有益的参考。 文章首先概述了操作风险的基本概念，并系统梳理了当前操作风险管理领域的研究成果。随后，详细介绍了B城市商业银行天津分行的操作风险管理现状及案例，对照其他城市商业银行操作风险管理情况，总结揭示了该行在操作风险管理中存在的问题：操作风险管理与业务发展脱节、风险管理意识淡薄、管理流于形式。分析问题产生的根源在于内控效果有限、人员管理不当以及信息技术支持薄弱。针对上述问题，本文提出了完善操作风险管理体系，强化管理工具应用效果，加强系统建设三方面的改进措施，并建议该行营造浓厚的合规文化氛围、加强人才队伍建设、提高技术及资金保障。最后，文章总结了研究成果，并对未来的研究方向进行了展望。 本文对B城市商业银行天津分行操作风险管理情况进行了深入分析，不仅揭示了存在的问题及其本质原因，还针对性地提出了改进策略与实施保障措施，丰富了该领域的案例研究内容。鉴于我国统一操作风险损失数据库尚未建立，获取数据资料存在难度，本研究聚焦于理论层面的探讨与综合性的分析，未涉及操作风险量化研究及模型构建。未来，应当在操作风险量化模型方向加以研究，以推动我国商业银行操作风险管理水平的提升。
英文摘要：	In recent years, a series of operational risk events have been frequently exposed, which have not only led to substantial economic losses for commercial banks but also drawn extensive attention from all sectors of society. In 2023, the "Measures for the Capital Management of Commercial Banks" introduced a differential operational risk capital measurement framework. In 2024, the "Measures for the Operational Risk Management of Banking and Insurance Institutions" escalated the construction of the operational risk management system from the former "guiding" principle to a new height of "mandatory" requirement. Under such circumstances, this thesis, based on the theories of comprehensive risk management, operational risk management, behavioral finance, and principal-agent, takes the Tianjin Branch of Bank B, a city commercial bank, as the research object and employs the method of combining literature review and case analysis. The aim is to provide targeted improvement suggestions for the operational risk management of this branch, so as to enhance its management capabilities and offer valuable references for other commercial banks to effectively prevent operational risks. The thesis first outlines the fundamental concepts of operational risk and systematically reviews the research outcomes in the current field of operational risk management. Subsequently, it presents in detail the current status and cases of operational risk management in the Tianjin Branch of Bank B. By contrasting with the operational risk management circumstances of other city commercial banks, it summarizes and discloses the problems in the operational risk management of this branch: the dissociation between operational risk management and business development, the feeble awareness of risk management, and the superficiality of management. The analysis indicates that the origin of these problems lies in the limited effectiveness of internal control, improper personnel management, and frail information technology support. In light of the above issues, this thesis proposes improvement measures in three aspects: refining the operational risk management system, intensifying the application effect of management tools, and strengthening system construction. It is also recommended that the branch foster a strong culture of compliance, reinforce the construction of the talent team, and improve technological and financial support. Finally, the thesis summarizes the research findings and looks ahead to the future research directions. This thesis deeply analyzes the operational risk management situation of the Tianjin Branch of Bank B. It not only uncovers the existing problems and their underlying causes but also puts forward targeted improvement strategies and implementation safeguard measures, enriching the case study content in this domain. Considering that the unified operational risk loss database in China has not yet been established and data acquisition is challenging, this research centers on theoretical exploration and comprehensive analysis and does not involve quantitative research and model construction of operational risks. Future research should be directed towards operational risk quantitative models to drive the elevation of the operational risk management level of commercial banks in China.
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