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论文编号：	8720
作者编号：	2220140381
上传时间：	2016/12/7 17:45:42
中文题目：	股份制商业银行的风险管理研究——以S银行为例
英文题目：	Research on Risk Management of Joint-stock Commercial Bank-Taking S Bank as an example
指导老师：	张继勋
中文关键字：	风险管理；股份制商业银行；信用风险；操作风险
英文关键字：	Risk Management; Joint-stock Commercial Bank; Credit risk; Operational risk
中文摘要：	随着经济全球化的不断深入发展，股份制商业银行作为银行业发展的中流砥柱，既面对着复杂的外部环境，又面对着内部的大量的经营风险。股份制商业银行稳健发展的基本条件之一就是建立银行内部的健全的风险管理体系。 S银行股份有限公司（简称“S银行”）的前身是T市有着多年发展历史的农村信用社。2010年，S银行正式挂牌成立。成立之初，S银行便依靠雄厚的资本金实力成功跻身中国银行50强和世界银行500强行列。本文搜集自S银行近6年以来的财务报告，论文分析2010年至今的年报，将银行风险管理和财务分析有机结合，以股份制商业银行这一特定行业的风险管理作为研究对象，在阐述风险管理的基本理论概念的基础上，综合国内外主要风险管理框架，选择具有代表性的案例，对其风险管理中的信用风险、操作风险作为主要研究方向，对风险管理的具体方法进行系统研究，对S银行今后经营中的风险管理工作提出可行性建议。在以往文献中经常从宏观角度分析商业银行的风险管理，本文从微观角度，选取相对比较特殊的案例，从研究相对较少的股份制农村商业银行入手，结合2012年出台的银监会1号令和《全面风险管理体系指引》文件内容，研究体制改革、风险管理与银行业绩之间的相关程度，提出相关改善建议。
英文摘要：	With the further development of economic and financial globalization, joint-stock commercial banks, as the mainstay of banking development, face a complex external environment and face a lot of internal risks. One of the basic conditions for the steady development of joint-stock commercial banks is to establish a sound risk management system within the bank. S Bank Co., Ltd. (referred to as the "S Bank"), formerly known in T City has many years of development history of rural credit cooperatives. In 2010, S Bank was formally established. Inception, S Bank will rely on strong capital strength success among China's top 50 banks and the World Bank ranks the top 500. This paper collected from S Bank financial report of the past five years, the paper analyzes the annual reports since 2010, the bank's risk management and financial analysis combine risk management joint-stock commercial banks in this particular industry as the research object, set forth in the risk management based on the basic theoretical concepts, the main risk management framework at home and abroad, a representative selection of cases, their risk management, credit risk, operational risk as the main research directions, systematic research on the specific methods of risk management, for business risk management feasible suggestions S bank in the future. In the past, the literature often from a macro point of view of risk management of commercial banks, the paper from the microscopic point of view, select the relatively special case, relatively few studies from rural joint-stock commercial bank, combining with the 2012 introduction of the CBRC 1 orders and Guidelines for a Comprehensive Risk Management System, research system relevance reform, risk management and performance between the bank, make relevant recommendations for improvement.
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