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论文编号：	6305
作者编号：	2120112527
上传时间：	2014/6/7 14:41:49
中文题目：	营口银行风险管理研究
英文题目：	Research on Risk Management of Yingkou Bank
指导老师：	张玉利
中文关键字：	巴塞尔新资本协议；商业银行；全面风险管理；体系构建
英文关键字：	New Basel Capital Accord ; commercial banking ; comprehensive risk management ; system construction
中文摘要：	近年来随着我国企业经济的飞速发展，金融业的发展也取得长足进步。银行之间的竞争也愈发激烈，银行为提高自己的市场竞争力，扩大市场份额，不断扩大自己的经营规模，不断推出新型金融服务及金融衍生品，由此也增加了银行经营风险的各种不确定因素，增加了银行控制风险的难度。提高对银行风险管理的认识，建立科学合理的风险管理制度显得尤为重要。在现在复杂多变的经济形势下，银行应该遵照巴塞尔新资本协议的规定，革新传统的以控制信用风险为主导的方式，结合银行的自身情况，不断完善全面风险管理体系，加强包括声誉风险、法律风险、战略风险、操作风险、市场风险在内的各种风险。目前，我国商业银行在全面风险管理方面发展尚未成熟，面对这个全新课题，需要解决的问题必然庞大而复杂。因此，本文在借鉴他人研究成果的基础上和考虑新巴塞尔协议对银行业的具体要求下，试图将风险管理理论与实际案例结合，对营口银行面临的主要风险进行分析，并将新巴塞尔协议要求、全面风险管理理论与我国商业银行风险管理模式相结合，提出对营口银行全面风险管理方案。首先，文章对营口银行的发展情况进行回顾，研究其全面风险管理体系现状，结合风险管理的相关理论对其风险管理存在的问题及原因进行分析；然后，文章基于巴塞尔新资本协议构建了营口银行全面风险管理体系的架构，从内部控制环境、风险识别、评估与管理工具体系、内部控制措施、信息系统以及监督管理体系五个方面提出了全面风险管理体系构建的内容。最后，文章指出营口银行应从实施组织机构变革、完善绩效考核机制、争取外部先进的技术和人才支持、完善风险管理技术运行环境及整合风险人才队伍建设和风险文化建设等方面进行一系列的实践变革与调整改进。本文试图在以下两个方面有所创新：一是对商业银行全面风险管理的量化问题作更深一步的探讨；二是提出有效构建商业银行全面风险管理体系和企业风险文化的思路。希望通过分析，能够为商业银行的大力发展提供一些借鉴和帮助。
英文摘要：	In recent years, with the rapid development of national economy, the development of the financial industry has made great progress. The competition between banks is more and more intense, the banks to improve their market competitiveness, expand market share, expand their scale of operation, continue to introduce new financial services and financial derivatives, which also increases the variety of bank risk uncertainty, increased the difficulty of bank risk control. To improve the understanding of bank risk management, establish a scientific and reasonable system of risk management is particularly important. In the current complex economic situation, the bank should be in accordance with the provisions of the new Basel Capital Accord, reform the traditional to control credit risk oriented, combined with the bank's own situation, and constantly improve the comprehensive risk management system, strengthen the various risks including reputation risk, legal risk, strategic risk, operational risk, market risk. Overall risk management is a new topic for the Commercial Bank of our country, also is a huge system engineering. In this paper, on the basis of others research results and considering the specific requirements of the new Basel accord on banks to the risk management theory, combined with the actual case, the main risk faced by banks in Yingkou are analyzed, and the new Basel agreement requirements, combined with the comprehensive risk management theory and risk management mode of Commercial Bank of our country. The Bank of Yingkou, puts forward a comprehensive risk management plan. Firstly, reviewed the development situation of the Bank of Yingkou, the research actuality of comprehensive risk management system, combined with the theory of risk management to analyze the problems and reasons existing risk management; and then, the new Basel Capital Accord was established based on the comprehensive risk management system of Yingkou bank structure, from the internal control environment, risk identification, assessment and management system of internal control, puts forward the overall risk management system in five aspects measures, information system and the supervision and management system. Finally, the article pointed out that the Yingkou bank should implement the organization reform, perfect performance appraisal system, strive for outside technology and talent support, advanced to improve the risk management technology and operation environment and integrated risk talent team construction and risk culture construction practice of change and adjustment of a series of improvements. This paper tries to make innovations in the following two aspects: one is the study on the quantification of comprehensive risk management of commercial bank makes a further; two is put forward effective construction of commercial bank risk management system and enterprise culture idea. Hope that through the analysis, can provide some reference and help to the development of commercial banks.
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