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论文编号：	8184
作者编号：	2120142910
上传时间：	2016/6/2 12:25:15
中文题目：	中国银行个人理财业务风险管理研究
英文题目：	Research on Risk Management of Personal Financing Business of Bank of China
指导老师：	古志辉
中文关键字：	个人理财；中国银行；风险管理；SWOT分析
英文关键字：	personal finance；Bank of China；risk management；SWOT analysis
中文摘要：	近年来，随着我国国民经济的不断发展，居民的可支配收入也呈现了大幅度增长。伴随着财富的增加，商业银行传统的储蓄业务已经无法满足居民投资理财的需求，因而，越来越多的居民选择购买商业银行个人理财产品。同时，商业银行的同业竞争不断加剧，以及利率市场化等都导致商业银行的利润空间进一步萎缩。个人理财业务作为商业银行重要的中间业务收入来源之一，受到商业银行越来越多的重视。在个人理财业务的快速发展的同时，商业银行在其风险管理的过程中存在的问题也逐渐暴露。如何提升商业银行的风险管理水平，有效地控制个人理财业务流程中的各类风险点，对于个人理财业务的健康发展有着重要意义。中国银行的个人理财业务近年来发展迅速，与此同时，相关的风险事件也时有发生，说明中国银行在个人理财业务风险管理方面还存在着许多漏洞和不足。因此，为保证个人理财业务的健康发展，中国银行应进一步完善其理财业务风险管理流程。论文分为五章，第一章为引言部分，主要介绍了本文的研究背景和研究意义，研究方法和论文框架。第二章为相关概念界定、理论回顾和文献综述。介绍了个人理财业务及风险管理的相关定义，对相关理论进行了回顾，并介绍了国内外关于个人理财业务风险管理的研究现状。第三章为中国银行个人理财业务风险管理现状。首先分析了中国银行个人理财业务的发展现状，然后分析了个人理财业务各流程中面临的风险，最后介绍了中行个人理财业务风险管理的组织框架和业务流程。第四章为中行个人理财业务风险管理存在的问题及改进策略。结合相关风险案例对中行个人理财风险管理流程中的存在的问题进行了分析并提出了相应的改进策略。第五章为结论和展望。
英文摘要：	In recent years, with the continuous development of our country' economy level, residents' disposable income also increase quickly. Along with the increase of wealth, traditional savings business of commercial bank has been unable to meet the needs of residents'investing and financing, more and more people choose to buy commercial bank personal finance products. At the same time, increasing horizontal competition of domestic commercial banks and the marketization of interest rate have also led to the shrinking of traditional commercial bank profit space. Commercial banks are paying more and more attention on personal financing business because it is an important intermediary business income source of commercial bank .With rapid growth of personal financial business, more and more problems in the process of commercial bank personal financial business risk management are exposed. How to enhance the level of risk management of commercial bank personal financial, and effectively control the risk in the process of personal financial business, thus have important significance on the development of personal financial business. The personal financial business of Bank of China has developed rapidly in recent years, at the same time, the related risk events often occur. It suggests that there are many loopholes and shortcomings on risk management of personal financial business of Bank of China.Therefore, in order to guarantee the healthy development of personal finance business, Bank of China should further perfect its personal finance business risk management process. This article is divided into five chapters, the first part is the introduction, the chapter introduces the research background and significance, research methods and thesis framework. The second part is the relevant concept definition,theoretical review and literature review. This chapter introduces the related definition of personal finance business and risk manage, reviews the relevant theory, and introduces the current research status of personal financing business risk management of home and abroad?.The third part is the personal financial business risk management status of Bank of China . First, this chapter analyzes the development situation of the personal financial business of Bank of China, then analyzes the risks in personal financial business processes, finally introduces the organization framework and business process of personal financial business risk management of Bank of China .The fourth part is the problems of personal financial business risk management of Bank of China and improvement strategy. This chapter combines the case to analyse the problems of personal financial risks management process of Bank of China and puts forward some improvement strategy. The last chapter is conclusion and prospect.
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