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论文编号：	6639
作者编号：	2220130969
上传时间：	2014/12/2 10:31:13
中文题目：	我国商业银行会计运营管理对策研究－以中信银行为例
英文题目：	The research of commercial bank accounting operation management countermeasure in China－Take CITIC bank for example
指导老师：	马连福
中文关键字：	商业银行；会计运营；运营对策；控制机制
英文关键字：	Commercial Bank;accounting operation;operation countermeasure;control mechanism
中文摘要：	近年来，面对国际金融高速发展，金融竞争日趋激烈、网络信息日新月异，以及客户需求复杂多样，我国商业银行正面临严峻的发展压力。商业银行在机遇与挑战并存的市场环境中，必须迅速作出反应，为实现经营目标，积极探索全新的管理和运营模式，在激烈的市场竞争中脱颖而出，并保持行业领先地位，这既是商业银行的专业化过程，也是一项长期的系统工程。 从上世纪80年代起，许多大型国际性银行纷纷实施再造内部流程，最终实现了内部管理的优化和经营水平的提升。我国加入世贸组织以来，面对金融发展需要和市场激烈竞争，许多商业银行便开始意识到要保持业内领先的重要地位，必须进行流程再造。各大商业银行先后实现了数据大集中，并成立大后台集中处理中心，实现前中后台的分离，实现了交易成本的降低、运营管理的集中和风险控制能力的提高，此举成为国内商业银行改革创新的主要途径。 本文主要介绍了研究背景及意义、研究思路及方法；在相关基础理论中，主要介绍了商业银行运营管理体系理论及流程再造理论，并对商业银行会计运营进行了定义；在此基础上，主要介绍了国内外商业银行会计运营的现状，并以中信银行为例，进行了详细的介绍和分析；本文重点分析了商业银行会计运营发展的动因及趋势，指出了我国商业银行在会计运营发展过程中存在的一些问题，并提出进一步改进我国商业银行会计运营管理的对策。当商业银行的会计运营真正实现流程化、专业化时，会促进会计运营能力的强化。会计运营后台不仅仅是后台自身的事情，而且直接关系到前台客户服务和产品，是商业银行潜在的竞争力和新的利润增长点，会计运营的不断发展将对商业银行在数据收集、风险控制、组织架构、会计分析等方面产生巨大影响。 关键词：商业银行；会计运营；运营对策；控制机制
英文摘要：	In recent years, in the face of the financial reform depth development, the financial industry competition information technology change and customer demands are increasingly intense, the Commercial Bank of our country began to face the development of unknown pressure, severe challenges will force the commercial banks must change the market environment and competition situation according to the change of market to explore a new management mode, strengthen the bank competitive ability. In early 1980s, the international bank started to attempt the BPR, and achieve improved significantly quality of services. After our country joins WTO, facing the fierce competition and business development needs, many banks began to realize the importance of process transformation to keep ahead in the industry, which has become the main way for the reform and innovation of commercial bank in china. This paper mainly introduces the research ideas methods and significance of research background; On this basis, mainly introduces the current situation of domestic and international accounting operation of commercial banks, and take CITIC Bank for an example, give a detailed description and analysis. This paper focuses on the analysis of the cause and trend of commercial bank accounting operation development, and points problems existing in the accounting operation in the process of development of the Commercial Bank of our country. And put forward the countermeasures of further improvement of accounting operation management of China's commercial banks .The development of commercial bank accounting operation in the future should become highly concentated.specialized and processes. When a commercial bank accounting operation process achieves real process and specialization, it will promote accounting operation ability. Accounting operation is not only its own things, but also directly relates to the front counter ,customer service and product, it is the new profit growth point for commercial bank,and the continuous development of accounting operation will have a huge impact on the commercial bank in the data collection, risk control, organizational structure, accounting analysis etc. Key Words：Commercial Bank; accounting operation; operation countermeasure; control mechanism
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