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论文编号：	4746
作者编号：	2120102411
上传时间：	2012/12/11 13:09:54
中文题目：	我国商业银行操作风险管理的内部控制研究
英文题目：	Research on Internal Control of Operational Risk Management of China’s Commercial Banks
指导老师：	王全喜
中文关键字：	商业银行，操作风险，内部控制
英文关键字：	Commercial Banks, Operational Risk, Internal Control
中文摘要：	操作风险是商业银行的固有风险，与信用风险、市场风险并列构成商业银行的三大基础风险。20世纪末，一系列重大操作风险事件接连发生，给商业银行带来了重大的经济损失并且使商业银行声誉和社会形象遭受严重破坏。因此，国内外银行业和监管机构开始关注操作风险管理，纷纷研究有效的应对措施。但目前针对操作风险的研究普遍沿用针对市场风险和信用风险的方法和思路，偏重量化研究，试图通过开发模型来定量管理操作风险，而从内部控制等相关理论对操作风险进行研究的非常少。本文首先通过对商业银行操作风险与内部控制基础理论的研究，探讨操作风险管理与内部控制之间的关系，并通过对我国商业银行操作风险管理现状及典型案例分析，总结出当前我国商业银行操作风险的特点。其次通过分析操作风险管理中存在的问题，从内部控制角度讨论了我国商业银行操作风险产生不足的原因。最后，基于内部控制要素提出了完善操作风险管理环境、优化操作风险识别与评估手段、完善操作风险内部控制措施、加强操作风险信息沟通交流、加强操作风险监督检查等对策和建议。
英文摘要：	Operational Risk is a kind of inherent risk of commercial banks, which is known as the three major risks with the credit risk and market risk.At the end of twentieth century,a series of serious operational risk events which brought significant economic losses to the commercial banks and caused serious damage to the commercial banks' reputation and social image have happened in banking industry, so that the banking industry and regulatory agencies began to pay attention to the operational risk management, and study in the effective counter measures.But at present the research on operational risk is generally adopted the market risk and credit risk research methods and ideas, more focus on the quantitative model, less involving the internal control management. Firstly, the thesis studies the basic theories of the operational risk and internal control seeking for the relationship between operational risk and internal control.Then conclude the characteristics of operational risk management of China’s commercial banks through analyzing the current operational status and typical cases.Secondly, studies the reason for the insufficient of operational risk in Chinan’s commercial banks from the perspective of internal control through analyzing the operational risk management problems. Finally, proposes some impotant recommendations based on the elements of internal control, such as establishment of sound operational risk management environment, optimizing operational risk recognition and assessment methods, perfect operation risk internal control measures, strengthen the operational risk information communication, strengthen the operational risk supervision and evaluation countermeasure and proposal.
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