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论文编号：	7203
作者编号：	2220130901
上传时间：	2015/6/1 23:20:47
中文题目：	ZK银行银行承兑汇票业务流程风险控制研究
英文题目：	Research on the process risk control of bank accepatance bill business in ZK bank
指导老师：	王曼舒
中文关键字：	ZK银行；银行承兑汇票；流程风险控制
英文关键字：	ZK bank;bank accepatanc bill;process risk control
中文摘要：	随着中国金融业改革的开放步伐，信息技术的发展促进了各商业银行金融产品的不断创新，银行承兑汇票业务应运而生。银行承兑汇票因其周转快捷、流动性强以及较高的收益受到企业的广泛青睐，同时也成为银行利润新的增长点。然而在蓬勃发展的同时银行承兑汇票也面临着各式各样潜在的风险，犯罪案件数量逐年上升，作案手段呈现高科技化、犯罪人员专业化、犯罪金额巨大化的特点，在经济和信用方面给银行造成了严重的损失。对于如何通过有效手段控制和防范银行承兑汇票业务流程中的各类风险是商业银行不可回避的课题。 本文通过笔者在ZK银行的亲身工作经历，由银行承兑汇票办理流程中各环节面临的风险入手，结合相关案例分析该银行在银行承兑汇票业务流程中存在的各类风险。第一章介绍了本文研究背景、研究内容及研究方法；第二章对银行承兑汇票业务的相关概念、理论及国内外的文献给予一定介绍，阐述了银行承兑汇票业务流程风险控制研究的大概情况；第三章介绍了ZK银行银行承兑汇票业务现状及现阶段银行承兑汇票办理的具体流程，逐一分析其中存在的风险；第四章针对ZK银行银行承兑汇票业务流程中存在的风险，列举案例进一步分析；第五章提出了对ZK银行银行承兑汇票流程风险控制的优化方案，建立适合ZK银行发展的业务流程；最后第六章呈现了此次研究的结论以及对该类研究的展望。 ZK银行的银行承兑汇票业务发展迅速，通过对其流程中风险控制的研究，将风险细化到银行承兑汇票流转的各个环节，提出对流程的改进措施更有针对性，目的性更强。通过具体的案例分析为ZK银行银行承兑汇票操作人员敲响了警钟，引起大家对银行承兑汇票业务流程风险控制的高度重视。
英文摘要：	With the opening step of Chinese financial reform, the development of information technology has promoted the innovation of the commercial bank financial products, bank acceptance bill business emerge as the times require. Bank acceptance bill is widely favored by enterprises because of its working fast, strong liquidity and higher income, at the same time, also become a new growth point of profit in bank. However, in our country the bank acceptance bills of exchange market is not perfect. Commercial banks present a lot of defects just as unreasonable corporate governance structure, imperfect internal control system and unsound risk prevention measures. However, the bank acceptance operation is facing different kind of risk potential in the booming development. The number of criminal increased year by year. The characteristics of the crime show high-tech, professional personnel and huge amount of crime. They also cause serious loses of economic and credit in bank. Commercial bank must face the problem is that how to prevent the bank acceptance management system risks through effective means. In this paper, the author analyses the risk of bank acceptance with the process of bank acceptance in each step and the cases existed in ZK bank where the author has worked. The first chapter introduces the research background, research contents and research methods. The second chapter gives some introduction of the bank acceptance bill in the area of the concept, theory and literature at home and abroad. It also describes the general research of the risk of the bank acceptance bill business. The third chapter studies the development of the bank acceptance bill in ZK bank at present. It introduces the specific process of bank acceptance and analyzes the existence of risk. Based on the existed management system risk of bank acceptance bill in ZK bank, the fourth chapter lists various cases to further verify the practical application and the reasons of the process prevention measures. The fifth chapter puts forward the specific measures of process risk control in ZK bank and establishes the prevention methods which are suitable for the bank’s development. Finally the sixth chapter presents the research conclusion and prospect of other research in this area. Under the rapid development of bank acceptance in ZK bank, this paper refines each aspects of process risk control in every circulation in bank acceptance through the study on potential risks of business. The proposed risk prevention measures in this paper are more targeted. This paper sounds the alarm for the staffs in ZK bank and attaches great importance to the bank of bills of exchange process risk control prevention strategies through the practical application case analysis and countermeasures.
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