【作者】 陈华；

【导师】 沙勇忠；

【作者基本信息】 兰州大学 ， 工商管理（专业学位）， 2019， 硕士

【摘要】 2016年以来,随着供给侧结构性改革的逐步深化,金融监管的持续加强,经济由高速度增长转向高质量发展,我国的金融业态和市场形势正在发生深刻的改变。经济增速放缓、产业转型升级、融资需求转变、互联网金融崛起等,促使商业银行纷纷因势而变。与机会并存的是,考验商业银行经营管理水平的风险因素也越来越多,内部操作差错、人员违规违纪、流程漏洞、管理缺陷等操作风险层见叠出,不仅仅有金额小、发生频繁的常见操作差错,还有金额大、发生频率低的大型风险事件,更有关乎银行生死存亡的毁灭性事件,对银行内部及外部操作风险方面的管理都提出了更高、更新的要求。操作风险因涉及面极广、管控过程细、政策要求高等因素,需要不断的改进及优化来适应风险防范管理要求,从而确保商业银行健康可持续的发展。本文从理论入手,解释了风险、商业银行风险、商业银行操作风险的基本概念,介绍了操作风险的基本分类,分析了操作风险的特点,同时引入了全面风险管理理论、委托代理理论。本文采取了文献资料研究法、描述性统计、案例分析法等方法,介绍了分行的操作风险管理框架、流程,并对其典型案例进行了深入剖析,指出了交通银行在操作风险管理中存在经营思想错位、流程控制不严格、操作风险数据收集手段单一、信息科技系统不完善、人员力量不足的五方面问题。并对上述问题进行进一步研究,总结归纳出四个方面的原因,分别是:操作风险管理理念淡薄、内部控制不完善、工具运用不充分及人员流动性较大。在剖析和反思的基础上,提出构建完整有效的操作风险管控机制、完善操作风险考核制度、优化操作风险管理工具、充实操作风险管理队伍、培育良好操作风险文化共五个具有较强本地操作性的措施与做法。更多还原

【Abstract】 The economy has shifted from high-speed growth to high-quality development with the gradual deepening of the supply-side structural reform and the continued strengthening of financial supervision since 2016,and the financial format and market situation in China are undergoing profound changes.The slowdown of economic growth,the upgrading of industrial transformation,the transformation of financing demand and the rise of internet finance,et al.have prompted changes with the trend of commercial banks.The co-existence of opportunities is that there are also more and more risk factors to test the managerial and administrative expertise of commercial banks,such as internal operation errors,personnel violation of discipline,process loopholes,management defects and other operational risks emerge in endlessly,including both high frequency and low loss daily operation errors,and low frequency and high loss major risk events,even catastrophic events that endanger the survival of banks,which put forward a higher and newer requirements for bank operational risk management.Therefore,it is necessary to continuously improve and optimize to meet the risk prevention management requirements due to the wide range of operational risks,fine control process and high policy requirements,so as to ensure the healthy and sustainable development of commercial banks.This paper starts with the theory,explains the conception of risk,commercial bank risk and operational risk of commercial bank,introduces the classification of operational risk,analyzes the characteristics of operational risk and introduces the theory of overall risk management and agency by agreement,et al.This paper introduces the operational risk management framework and process of Gansu Branch of Bank of Communications,analyzes its typical cases in depth though literature research method,descriptive statistics and case analysis.This paper points out that there are five problems in the operational risk management of Gansu Branch of Bank of Communications,such as misplacement of management ideas,lack of strict process control,limited collection means of operational risk data,imperfect information technology system and insufficient personnel power.Further research is carried out based on the above-mentioned problems,and the reasons of four aspects are summed up as follows: the concept of operational risk management is weak,the internal control is not perfect,the use of tools is inadequate and the personnel mobility are large.On the basis of analysis and reflection,this paper proposes a total of five strong local operational measures and practices to construct a complete and effective operational risk control mechanism,perfect the operational risk assessment system,optimize the operational risk management tools,enrich the operational risk management team and cultivate a good operational risk culture.更多还原