【作者】 刘星；

【导师】 高莹；

【作者基本信息】 东北大学 ， 工商管理（专业学位）， 2017， 硕士

【摘要】 近年来,由于同业竞争的日趋激烈以及银行业务的快速发展导致各国各地区的银行网点都发生了许多风险事件,这些风险事件对银行业的正常运营造成了极大的负面影响和直接损失。目前,许多国内商业银行完善操作风险管理的程度有待提高,加强操作风险管理不仅是银行持续、健康发展的内在需要,也是满足监管的需求,如何有效地减轻甚至消除银行的操作风险已经成为了一个重要课题。本文以G银行沈阳分行网点业务操作中存在的风险为研究对象。首先,介绍了操作风险和风险管理的基本概念以及风险评价的方法,为后续的写作奠定了扎实的理论基础。其次,对G银行沈阳分行网点操作风险管理的现状进行了分析,揭示了目前G银行沈阳分行网点所存在的操作风险管理问题。再次,以G银行沈阳分行网点在2016年至2017年中所发生的风险事件为研究基础,运用问卷调查法,对这些风险进行识别,针对识别出的外部风险、内部程序风险、内部员工行为风险和内外部联合欺诈风险计算出每种风险所对应的风险影响程度和风险发生概率,从而得出风险值由大到小的排列顺序依次为外部风险、内部员工行为风险、内部程序风险、内外部联合欺诈风险。最后,通过一系列的研究找出了 G银行沈阳分行网点各类操作风险的应对策略和控制措施,即:通过优化监控设备、安排专人排查、提高员工培训力度等方法来应对与控制外部风险;通过优化系统界面、设置人脸识别、增加全程监控系统等方法来应对与控制内部程序风险;通过彻查员工背景、建立监督模块、改善轮岗制度等方法来应对与控制内部员工行为风险;通过增加查库频率、没收通讯工具等方法来应对与控制内外部联合风险。本文的研究和结论为G银行沈阳分行网点操作风险的精细化管理提供了参考和依据,具有很强的应用价值和现实意义。更多还原

【Abstract】 In recent years,due to the increasingly fierce competition and the rapid development of the banking business result in regional bank branches in all countries of the many risk events happened,the normal operation of these risk events in the banking sector caused great negative impact and losses directly.At present,many domestic commercial Banks to improve operational risk management level needs to improve,strengthen the operational risk management not only is the inherent demand for the sustained and healthy development of the bank,also meet the requirements of regulation,how to effectively reduce or even eliminate the bank’s operational risk has become an important issue.Based on G bank shenyang branch networks that exist in the business operation risk as the research object.First,this paper introduces the basic concept of operation risk and risk management and risk evaluation methods,laid a solid theoretical foundation for the subsequent writing.Second,the G bank shenyang branch offices on the current situation of operational risk management analysis,reveals the G bank shenyang branch offices of operation risk management issues.Again to G bank branches in shenyang from 2016 to 2017 years of risk events as the research foundation,using questionnaire survey method,the risk identification,risk to identify the external risks,internal program,internal employee behavior and internal and external joint fraud risks calculated for each risk that corresponds to the influence degree and risk probability,calculated the risk value from big to small order of sequence for external risks,internal employee behavior risk,internal risk,internal and external joint fraud risk program.Finally,through a series of studies to find the G bank shenyang branch networks of various kinds of operation risk coping strategies and control measures,i.e,through the optimization of monitoring equipment,the arrangement of personnel screening efforts,improve the staff training and other methods to deal with and control the external risk;By optimizing the system interface,set the methods such as face recognition,increase the whole monitoring system to manage and control the internal process risk;Through investigate employee background,establishing the monitoring module,improve the rotational system and other ways to deal with and control the internal employee behavior risk;By increasing the frequency,confiscate communications tools such as searching method to deal with and control the internal and external joint venture.Research and conclusion of this article is G bank shenyang branch networks operating the elaborating management provides reference and basis of the risk,has great application value and practical significance.更多还原