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论文编号：	9444
作者编号：	2120152802
上传时间：	2017/11/20 23:03:25
中文题目：	GF银行资产托管业务风险控制研究
英文题目：	Research On Asset Custody Risk Control Issues Of GF Bank
指导老师：	王曼舒
中文关键字：	商业银行；资产托管；风险控制
英文关键字：	commercial banks; asset custody; risk control
中文摘要：	在共生、共融、共享的金融新生态下，资产托管业务扮演着市场“守护者”和“监督者”的角色，肩负着为国家金融安全保驾护航的神圣使命。为切实保护投资者的利益，资产托管机构须坚定风险管理的理念，居安思危、切实增强业务风险控制水平，才能为维护金融市场稳定发挥更大作用。然而，专业能力不足、管理制度执行不力、系统落伍等现实问题使资产托管业务风险水平普遍较高。因此，本文从实践出发，研究GF银行资产托管业务风险控制情况，以期提升其管理水平。 本文共有六个章节。第一章主要介绍了选题的背景、研究内容、研究方法以及论文的结构。第二章给出了资产托管的定义，并通过对理论回顾和文献综述加强了对托管业务风险控制工作的理论研究。第三章剖析了GF银行资产托管业务现状与主要风险点，并阐述了风险点的形成原因。第四章以风险矩阵为工具，从发生概率及影响程度两个维度对各个风险点进行了定量分析与度量，并提出了后续的风险控制改善建议。第五章，文章说明了风险控制优化方案落地实施的详细方案与实施过程，论述了方案的实践效果。第六章是结论与展望，对本次研究进行总结，并对其在国内中小银行的应用意义进行了展望。 本文通过详实的资料、数据，说明了GF银行资产托管业务在风险控制相关方面存在严重问题的现状。由于人员专业能力弱、制度管理不足、系统建设落后及审计机制缺失，GF银行资产托管业务在产品引入、清算、核算、投资监督、分行管理等环节均存在风险，且风险值较高，须加以治理。因此，本文建议从预防性措施与应急计划两方面入手，一是在日常管理中加强员工培训与产品准入环节、完善系统建设与制度建设、加强内部监查与外部审计环节；二是建立部门应急计划，成立专项小组，明确突发事件处理流程，降低风险损失。
英文摘要：	Under the new financial ecology, the asset custody business plays the role of "Guardian" and "supervisor", shouldering the mission of escorting financial security. As an independent party, asset custody is the external restriction mechanism for asset managers. So, asset custody institution shall adhere to the concept of risk management, reform and innovation, effectively preventing the risks. However, the risk of asset custody business of small and medium-sized commercial banks is generally high. Therefore, the paper studies the risk control of asset custody business of GF bank in order to promote its risk management. In this paper, the theoretical research and case studies are combined, and the research subjects are analyzed by six chapters. First, the paper introduces the background, research methods and the structure of the thesis. Then, gives the definition of asset custody, and does theoretical review and literature review. In the third chapter, the paper sums up the current risk situation of asset custody business of GF bank and analyses the reasons The fourth chapter makes quantitative analysis and measurement of each risk point from two dimensions of occurrence probability and influence degree, and puts forward suggestions for further improvement of risk control. The fifth chapter evaluates the effect of plan. The sixth chapter is the conclusion and prospect, and looks forward to its application prospect. The author reveals the serious shortage of risk management in the asset custody department of GF bank. Due to lack of management system, low quality of staffs, the poor system construction and missing audit system, the department is at risk in main business aspects .These risks must be addressed. First, strengthen staff training and market access in daily management, improve IT construction and system construction, strengthen the internal audit and external audit; The second is to set up emergency plans and make clear the emergency handling process.
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