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论文编号：	4474
作者编号：	2220100505
上传时间：	2012/6/11 0:11:00
中文题目：	在华外资法人银行风险管理研究
英文题目：	Foreign-Funded Corporate Banks Risk Management Research In China
指导老师：	李莉
中文关键字：	外资银行；信用风险；风险管理
英文关键字：	foreign banks; credit risk; risk management
中文摘要：	外资银行本地法人化只有短短五年时间，在这个本土化的过程中带来了新的风险管理问题，其本身的风险管理措施在新的体制下产生了诸多问题亟待解决。通过本文的研究，一是旨在引起金融业和监管机构对改进外资法人银行风险管理的重要性和紧迫性的认识；二是为即将本地法人化的外国商业银行分行风险管理提供参考；三是规避外资法人银行各种风险问题。本文主要从国际宏观环境、国内经济、监管环境三个方面对在华外资法人银行风险管理所处的环境进行分析。与此同时，概括了在华外资法人组织结构和银行资产管理系统。从资产规模和盈利能力、网点数量和在华投入、风险抵御能力三方面对在华外资法人银行的现状分析进行探讨。透过现状来看外资法人银行的发展和机会。然后，从操作风险、流动性风险、信用风险、主权债务风险四个角度分别列举了不同的风险问题，对在华外资法人银行风险管理存在的问题及原因进行分析。阐述了在华外资法人银行风险管理机制完善必要性和原则，然后针对在华外资法人银行风险管理问题及原因，从操作风险、流动性风险、信用风险、主权债务风险和全面风险管理五方面，对不同风险的管理机制的完善进行了逐一的阐述。且详述了完善后的在华外资法人银行风险管理的实施机制。本文旨在引导外资法人银行在目前的全球环境中改革管理，采取更富效率的风险管控措施，鼓励银行持续改善内部风险管理。引导外资法人银行确定自身的经营发展战略和市场定位，在此基础上，寻找、发现、开拓母行所在国以外客户，并据此与客户建立合作关系，使自身成为母行所依赖的业务增长体。对于正处于外资银行本地法人化的初期的各行，辅之以更谨慎的风险措施，加强监管框架。这样，在强劲的经济增长、快速的城市化中，银行将会面对更多的需求，银行也因此会走的更快更远。
英文摘要：	Foreign banks to be local incorporation in only five years, in the process of localization brought new risk management issues, their own risk management measures under the new system has many problems to be solved urgently. Through this research, one is to cause the financial industry and regulatory agencies to improve foreign legal-person banks risk management awareness of the importance and urgency; two is for the upcoming local incorporation in the branch of a foreign commercial bank risk management provides reference; three is to avoid foreign legal-person banks risk problems. This article mainly from the international environment, domestic economy, the regulatory environment in three aspects of foreign banks risk management environment analysis. At the same time, summed up the Chinese foreign corporate organizational structure and bank asset management system. From asset size and profitability, the number of outlets and input in China, the ability to withstand risks from three aspects of the analysis of the current situation of foreign banks to discuss. Through the current situation of foreign corporate banking development and opportunity. Then, from the operational risk, liquidity risk, credit risk, sovereign debt risk from four aspects: lists the different risk problem, the foreign banks risk management problems and the reasons for analysis. Elaborated in the foreign banks to improve risk management mechanism the necessity and principle, and aimed at foreign banks risk management problems and the reasons, from the operational risk, liquidity risk, credit risk, sovereign debt risk and the overall risk management five aspects, on different risk management mechanism perfect and conducted by the. And the improvement of the foreign banks in the implementation of risk management mechanism. This paper aims to guide foreign legal-person banks in the current global environment change management, take more effective risk control measures, encourage banks to continue to improve the internal risk management. Guide foreign legal-person banks determine their business development strategy and market positioning, and based on this, seek, find, develop the parent country other than the client, and thus the establishment of cooperative relations with customers, make oneself become the parent bank rely on business growth. For the foreign banks to local incorporation in initial visit, accompanied by a more prudent risk measures, strengthening the regulatory framework. So, in the strong economic growth, rapid city is changed, the bank will face more demand, the bank also will go faster and farther.
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