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论文编号：	3421
作者编号：	2220090758
上传时间：	2011/6/11 0:00:24
中文题目：	商业银行操作风险控制研究
英文题目：	A Study On The Operational Risk Of Commercial Bank
指导老师：	程新生
中文关键字：	操作风险 内部控制 商业银行 巴塞尔新协议
英文关键字：	Operational Risk Commercial Banks Internal Control Basel II
中文摘要：	健全有效的操作风险控制体制是商业银行风险防范的关键和基础。操作风险的理论分析、度量研究和监测控制成为减少金融损失,降低大案要案发生的关键手段。所以,研究如何科学有效的评价操作风险,并在此基础上提高操作风险防范管理水平尤为重要。本文通过商业银行操作风险控制相关理论的研究，巴塞尔新协议对操作风险管理的要求，以及操作风险管理理论与内部控制的关系，同时运用比较分析的方法，分析了国内外商业银行操作风险控制管理的差异，并通过案例分析的方法对国内某大型国有商业银行的案例进行分析研究，针对我国商业银行所面临的操作风险的现状，论述了我国商业银行操作风险控制所面临的问题及产生原因，根据我国商业银行实际情况，提出了现阶段我国商业银行操作风险管理的对策。 在现代市场经济下，我国商业银行面临的操作风险越来越大，表现形式也越来越复杂，因此，加强操作风险管理已经迫在眉睫。本文通过论述，提出了通过通过完善操作风险预警体系、提升风险管理能力以及树立合规文化及落实的方法来加强我国商业银行的操作风险防控能力。我国商业银行也应在漫长的发展摸索的道路中逐渐形成自身完善的操作风险管理体系。 本文创新之处在于，主要针对的是我国商业银行的操作风险的研究，提出完善操作风险控制的措施和建议，同时，对于商业银行内部控制的研究不仅提出对于操作风险控制的制度的不断完善，还从企业合规文化的建立及落实执行的着眼点来寻求更加有效地操作风险防控措施。
英文摘要：	Sound and effective operation of commercial bank risk control system, risk prevention is the key and foundation. The theory of operational risk analysis, research and monitoring control measures as reducing financial losses, reduce the occurrence of the key means of major and important cases. Therefore, to study how the evaluation of scientific and effective operational risk, and on this basis to improve operational risk management is particularly important to prevent. In this paper, commercial banks, operational risk control related theories, Basel II requirements for operational risk management, and operational risk management and internal control of the relationship between theory, while the use of comparative analysis, analysis of domestic and foreign commercial banks to control operational risk management differences, and by the method of case analysis of a large state-owned commercial banks, domestic cases are analyzed, for China's commercial banks face operational risk status, discusses China's commercial banks face operational risk control problems and causes , according to the actual situation of China's commercial banks, commercial banks in China put forward at this stage operational risk management solutions. In the modern market economy, China's commercial banks face increasing operational risk, more and more complex forms, therefore, an urgent need to strengthen operational risk management. This article discusses the proposed operational risk through early warning system through the improvement, enhance risk management capabilities and establish a culture of compliance and implementation of ways to strengthen our prevention and control of commercial banks operational risk capabilities. China's commercial banks should also be explored in the long road of development has gradually formed its own sound operational risk management system. This innovation is mainly targeted at China's commercial banks operational risk research, put forward a sound operational risk control measures and recommendations, while commercial banks for not only the internal control of operational risk control system for continuous improvement, also from the culture of corporate compliance and implementation of the focus of the establishment to seek a more effective operational risk control measures.
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