【作者】 孙萌；

【导师】 罗正英；

【作者基本信息】 苏州大学 ， 工商管理（专业学位）， 2016， 硕士

【摘要】 随着科学技术的发展,现代商业银行的服务手段发生了巨大的变化。ATM的出现打破了柜台服务在时间上和空间上的限制,它能够灵活便捷地为持卡人提供现金类交易为主的自助式服务。随着社会经济的快速发展,人们的金融服务需求越来越丰富,安全、简便、快捷、自主、全面是人们对现代商业银行金融服务的新要求。经过数十年的发展,以ATM为代表的各种现金交易类自助设备已经成为现代商业银行除传统柜台之外另一个极其重要的服务渠道。与此同时,它也成为各家商业银行抢占市场、增加收入、扩大影响的重要手段。由于无人值守、存储现金等特点,ATM从诞生的第一天起,风险控制问题就成为了ATM业务健康发展的前提。其来源于ATM业务涉及的各个方面,主要在后台操作、规章制度、设备本身和业务外包等方面。为了保证ATM业务持续健康发展,风险的分析和防范尤为重要。本文通过对ATM业务流程的分析,查找出风险因素,归纳出ATM业务发展所面临的各类风险,并由此构建ATM风险控制体系。同时以A银行苏州分行为例,对其ATM业务发展中存在的问题进行梳理,并根据ATM风险控制体系给出相应的解决方案。本文是从微观层面对现有的ATM风险控制体系进行补充和完善,并提出规范性的操作方法。这对A银行降低ATM业务风险有一定的参考价值。同时对其他类型的商业银行如何进行ATM风险控制有一定的借鉴意义。更多还原

【Abstract】 With the development of science and technology, great changes have taken place in the modern commercial bank service methods. The ATM breaks the limit of counter in time and space. It can be flexible and convenient for the cardholder to provide self-service cash transaction service. With the rapid development of social economy, people’s demand for financial services is becoming more and more abundant. Safe, simple and convenient, independent and comprehensive is people’s new requirements for financial services of modern commercial bank. After decades of development, the self-service cash transaction equipment represented by ATM has become to be the most important service channel outside the traditional counter in modern commercial banks. At the same time, it has become an important means for commercial banks to seize the market, increase revenue, and expand the influence.Due to the unattended, store cash and other characteristics, from the first day of ATM birth, the problem of risk control has become a precondition for the healthy development of the ATM business. All aspects of the ATM from the business involved, mainly in the background, operation rules and regulations, the equipment itself and outsourcing etc. In order to ensure the sustained and healthy development of ATM business, risk analysis and prevention is particularly important.In this paper, I find the risk factors through the analysis of the ATM business process, summed up the various risks faced by ATM business development, and thus build ATM risk control systems. At the same time with the A bank Suzhou branch as an example, analyze the existing problems in the development of ATM business, and find solutions according to the ATM risk control system.This paper supplies and completes existing risk control system of ATM from the micro level, and put forward the methods of standardized operation. This has a certain reference value for the A bank to reduce the risk of ATM business. At the same time, it has certain reference significance for other types of commercial banks to control the risk of ATM.更多还原