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论文编号：	3705
作者编号：	2120092802
上传时间：	2011/11/22 20:53:10
中文题目：	基于公司治理的商业银行个人理财业务风险管理研究
英文题目：	The Research of Risk Management for Personal Financial Services in Commercial Bank Based on Corporate Governance
指导老师：	李维安
中文关键字：	公司治理；商业银行；个人理财业务；风险管理
英文关键字：	Corporate Governance; Commercial Bank; Personal Financial Services; Risk Management
中文摘要：	近年来，我国经济保持高速增长，城乡居民收入水平不断提高，我国商业银行个人理财业务凭借着市场需求巨大、利润空间广阔的优势获得了快速的发展。各商业银行纷纷投入大量资源与精力，积极抢占个人理财市场，使得个人理财业务的市场竞争日趋激烈。个人理财业务也逐渐成为了我国商业银行竞争的主要领域之一。 虽然我国商业银行对个人理财业务的发展投入了足够的重视，也积累了许多宝贵的经验，但由于起步较晚，与国外商业银行成熟完善的个人理财体系相比，仍然存在着一定的问题，尤其是基于公司治理的风险管理的经验不足，严重阻碍了银行个人理财业务的进一步繁荣发展，甚至会引发更为严重的信誉危机和金融风险。 本文对银行个人理财业务的涵义、分类和特点、及我国银行个人理财业务的发展现状、前景趋势和存在意义进行了详尽的阐述。本文搜集整理了与我国银行个人理财业务发展现状相关的数据和资料，从币种、委托期限、收益类型和基础资产四个角度对银行理财产品进行了分析研究，探讨了我国银行个人理财业务向个性化服务、品牌化服务、多渠道服务和有偿性服务转变的前景趋势，并揭示了银行个人理财业务作为中国银行业新的利润增长点，作为满足中国个人资产管理需求的重要途径，作为中外银行竞争的新焦点的重大意义。 本文通过产品合同、客户评估、风险提示、信息披露、亏损处理和投诉应对六个方面探讨了个人理财业务的市场乱象，然后从公司治理的层面上将这些市场乱象解析为产品风险、激励风险、客户风险、监督机制和道德风险的风险管理问题，再结合国内外银行发生金融风险的相关案例，揭示了银行个人理财业务的治理风险将会引发信誉风险和金融风险的后果。 本文在比较分析的基础之上，通过借鉴国外商业银行个人理财业务的治理风险管理的体系、经验和启示，研究分析了我国商业银行个人理财业务基于公司治理的风险管理问题，提出了兼顾内部治理和外部治理的风险管理的结论，其中内部治理风险管理包括完善产品风险管理、完善激励约束机制、完善风险评级制度、完善客户风险评估和完善信息披露制度，外部治理风险管理包括加强外部监管、完善法律机制、加强执法力度和积极履行社会责任。 在激烈复杂的银行业内环境中，我国商业银行若想保持长久稳定的竞争力，就必须在银行个人理财业务方面投入更多的精力与重视，凭借所拥有的本土优势，扭转在理财专业人才、产品和业务管理经验方面的劣势，积极履行社会责任，不断发展个人理财业务，方能在与外资银行竞争的战场上取得更多的胜机。其中尤以基于公司治理的风险管理为我国商业银行个人理财业务发展的重中之重，只有这样才能有效防范和化解由治理风险引发的信誉风险和金融风险，维护我国金融市场的稳定。
英文摘要：	In these years, with the rapid growth of economy and growing income of the urban and rural residents, the personal financial services of Chinese commercial banks develop quickly, for its great market demand and vast profit potential. Therefore, commercial banks put great efforts and energy in seizing their space in the market of financial services one after another, which makes the competition of personal financial services get intensified. Thus, the personal financial services become one of the major respects of competition among Chinese commercial banks. Although the commercial banks of our country attach great attention to personal financial services and also accumulate valuable experience, comparing to foreign commercial banks, there are still problems in some way, particularly lacking of governance risk management, which will keep personal financial services from making progress and even trigger the serious financial risks. The paper gives detailed exposition on the meaning, classification, features of the personal financial services and the current situation, prospect, meaning of existence for the personal financial services as well. The paper has collected personal finance and business development of China's banking status of relevant data and information from the currency, commission period, income type and the four angles of bank asset-based financial products were analyzed to explore the personal financial services to China's banking personalized service, brand services, multi-channel service and the prospects for paid sex change trends and reveals the Bank of China Banking personal Financial Services as a new profit growth point, as a personal asset management to meet the needs of China an important way, as foreign new focus of competition among banks significance. The paper discusses the six areas of the disordered phenomenon, including product contract, client value, risk reminder, information announcement, loss treatment and complaint. Afterwards, it explains the disordered phenomenon as product risk, incentive risk, customer risk, supervision mechanism, moral hazard from corporate governance. Moreover, it combines the financial risk cases within bank industry home and abroad together to reveal the reputation risks and financial risks triggered by the governance risks of personal financial services. Based on comparative analysis, the paper studies the risk management of personal financial services of our country by using the governance risk system and experience abroad as references. It brings up the conclusion of combining the risk management of inner and outer risk governance altogether. Of which, the risk management of inner governance includes product risk management perfection, incentive perfection, risk rating perfection, risk value system perfection, and information announcement perfection; the risk management of outer governance includes outer supervision enhancement, regulation system perfection, law enforcement enhancement and social responsibility action. Commercial banks in our country need to pay more energy and attention to personal financial services, if they want to keep competitive in long term within the complicated bank industry. They will gain more opportunities in the competition with foreign banks only if they use more experts, perfect the product and operational management, and fulfill social responsibility. Among those, the risk management based on corporate governance is a key point for the development of Chinese commercial banks. Only in this way can we keep the reputation risks and financial risks brought by governance risks and maintain the financial market stable.
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