【作者】 黄飞；

【导师】 乔桂明；

【作者基本信息】 苏州大学 ， 工商管理（专业学位）， 2017， 硕士

【摘要】 通常,银行机构面临的风险主要有信用风险、市场风险、利率风险、声誉风险和操作风险等。商业银行领域的信用风险、市场风险、利率风险及声誉风险一直以来为人们所重视,与之相关的研究著述也较多,但关于操作风险尤其柜面业务操作风险的研究却较少,缺少从细节入手推演和总结出的系统理论。理论的缺失和实践总结的不足直接导致了我国银行业对操作风险的认识不足,从而也缺乏相应有效的对策。据统计,近年来我国银行业发生的风险事件中,百分之八十以上都与柜面操作相关。事实上,柜面业务操作风险控制不好有可能进一步为银行带来声誉风险和信用风险,影响银行发展。因此如何更为有效地控制柜面业务操作风险是商业银行面临的一个重要课题。本文共分为五章:第一章是绪论,主要阐述研究背景、研究意义以及本文的研究方法、思路、框架、创新点和不足。第二章是国内外相关理论和文献,主要阐述了相关的风险管理理论和国内外学者对操作风险管理的研究成果。第三章是商业银行柜面操作风险管理概述,主要阐述了风险管理的概念以及商业银行柜面操作风险的风险主要风险点。第四章是苏州农行柜面操作风险管理现状及问题分析,结合其2016年的柜面操作风险数据和具体案例,对其操作风险管理存在的问题进行剖析。第五章是苏州农行柜面操作风险防范的对策与措施,该部分是全文的重点,尝试着提出了完善其操作风险管理的对策,可从加强员工管理、改进风控体系统、创新防范手段、优化业务流程、完善内控机制等五个方面提出了建议。第六章是全文总结与进一步研究展望,在对全文进行总结后,对我国商业银行柜面操作风险管理的进一步研究进行了一点展望。更多还原

【Abstract】 In general,the risks faced by banks are credit risk,market risk,interest rate risk,reputation risk and operational risk.The credit risk,market risk,interest rate risk and reputation risk of commercial banks have been paid lots of attention.There are many related research works.But the research on the operational risk especially counter operational risk is very little.There is even no deduction and summary of the system theory from the details.The lack of theory has directly led to the lack of understanding of operational risk in China’s banking industry,and thus the corresponding countermeasures.According to statistics,China’s banking sector in recent years the risk events,more than 80 percent of all are relevant to counter operation.In fact,bad control of counter operational risk is likely to bring the reputation risk and credit risk for the bank,and led to the bad development of bank.Therefore,how to effectively control the counter operational risk is an important issue faced by commercial banks.This paper is divided into six chapters.The first chapter is introduction,This paper mainly introduces the research background,research significance.This paper also briefly introduces the research methods,ideas,framework,innovation and shortcomings.The second chapter is an overview of the risk management methods and the domestic and foreign experts’ research on the operational risk management of commercial banks.The third chapter is an overview of the operational risk management of commercial bank counter.Mainly introduces the theory of risk management,forms of the operational risk and a brief description of the key operational risk management of commercial bank counter.The forth chapter is the analysis of Suzhou branch Agricultural Bank of China’s operational risk management status and cases.According to the data of counter operation risk in 2016 and the specific cases,we have analyzed the existing problems of operational risk management.The fifth chapter is the countermeasures and measures to prevent the counter operational risk of the Suzhou branch Agricultural Bank of China.This part is the focus of this paper,tries to propose some countermeasures to improve the operational risk management.That is to strengthen staff management,to improve the control system of risk,to innovate the preventive measures,to optimize business processes,to perfect internal control mechanism.The sixth chapter is the review and prospect.It’s the summary of the full text,and proposed some prospects of the counter operational risk management to Chinese commercial banks.更多还原