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论文编号：	1593
作者编号：	2220081053
上传时间：	2010/6/10 10:42:03
中文题目：	基层商业银行操作风险管理系统构建研究
英文题目：	Research on the Operational Risk Management System Design for Local Institutions of Commercial Banks--- Case Study of Bank of China Tianjin Nankai Branch
指导老师：	李新建
中文关键字：	关键词：商业银行 基层机构 操作风险 风险管理
英文关键字：	Key words: Commercial Bank，Local Institutions，Operational Risk，Risk Management
中文摘要：	近年来，因为操作风险所导致的巨额损失在商业银行屡有发生，从最初的信用风险，延伸到市场风险，乃至当前的操作风险，可见金融机构越来越注重管理的风险。2004年6月在《新资本协议》里，操作风险最终被巴塞尔委员会正式纳入风险资本的计算和监管框架中。由于存在管理框架不完善、数据缺乏、信息披露不充分、监管不力等问题，中国银行业虽然已经认识到操作风险的重要性和重大危害性，但是进一步改进和完善还有很长的一段路要走。论文运用理论联系实际、定性分析与定量分析相结合的方法，对内部控制及操作风险管理等相关内容进行论述，对基层商业银行操作风险管理系统构建进行研究。 论文分为以下几个部分，各部分的主要研究内容为：首先，阐述了商业银行操作风险的研究背景，说明了论文的研究方法和思路；其次，对操作风险管理的内涵和基础理论进行了概述；然后，揭示了我国商业银行基层机构操作风险的表现形式、造成的影响和形成原因等。最后，论文以中国银行天津南开支行为例，介绍了基层商业银行操作风险管理系统的构建设计。论文旨在通过理论与实践相结合的研究，强调操作风险管理的必要性，提出适合我国基层商业银行操作风险管理系统的对策建议。
英文摘要：	In recent years, because the operational risk in the commercial banks resulted in frequent huge losses, financial institutions pay much more attention to it than credit risks and market risks. The Basel Committee firstly incorporates operational risks into the capital regulatory framework for banks in the New Basel Capital Accord in June, 2004. Although the China banking industry does realize the importance and danger of the operational risk, there are still data unavailability, imperfect management framework, poor regulation and inadequate disclosure of information, which need to be solved promptly. This thesis tries to discuss the problems related to the operational risk by integrating the theory with the practice and combining the qualitative analysis with the quantitative analysis, and put forward the conception of the operational risk management framework within the local financial institutions of the commercial banks. The thesis begins with collaborating the background，the research mentality and approaches, and summarizes the theory of operational risk management. Then at the basic level in Chinese commercial banks，the paper reveals several kinds of concrete forms detailed and the reasons leading to the operational risk. Finally the paper reveals the design and the suggestion of the management system for the operational risk using theoretical and practical analysis. The thesis made an empirical analysis on Bank of China Tianjin Nankai Branch.
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