本文關鍵詞：我國商業(yè)銀行經(jīng)營創(chuàng)新中的風險管理問題研究　出處：《東北師范大學》2012年碩士論文　論文類型：學位論文

  更多相關文章： 商業(yè)銀行 經(jīng)營創(chuàng)新 風險控制

【摘要】：商業(yè)銀行經(jīng)營創(chuàng)新主要是由于商業(yè)銀行面對市場經(jīng)營環(huán)境變化所作出的發(fā)展戰(zhàn)略的調(diào)整，是為了適應經(jīng)濟發(fā)展過程中出現(xiàn)的銀行間競爭加劇、市場中的流動性過剩、消費客戶群體結構變化、金融脫媒現(xiàn)象等外部經(jīng)營環(huán)境變化而做出的自我經(jīng)營方式的轉變。從我國商業(yè)銀行內(nèi)部管理分析，主要是傳統(tǒng)的經(jīng)營思維仍然存在，管理模式落后等需要從銀行內(nèi)部進行發(fā)展轉型。 同時還應看到，隨著商業(yè)銀行經(jīng)營目標向多元化轉變，全面控制風險的產(chǎn)生，降低交易成本，調(diào)整經(jīng)營發(fā)展戰(zhàn)略、優(yōu)化主營業(yè)務結構、積極應對市場風險的影響，適應市場需求的變化，，成為商業(yè)銀行風險控制過程中面臨的主要問題。只有實現(xiàn)商業(yè)銀行經(jīng)營創(chuàng)新，構建完善的資產(chǎn)配置體系，拓展利潤空間，才能有效的分散風險，同時加強商業(yè)銀行的內(nèi)部管理，形成完善的風險控制體系，才能為商業(yè)銀行經(jīng)營創(chuàng)新提供制度保障。 本篇論文共分為四個部分：第一部分總結了商業(yè)銀行創(chuàng)新和風險管理的主要理論及其演變過程，并分析了我國商業(yè)銀行經(jīng)營發(fā)展中存在的主要問題，風險管理的現(xiàn)狀，提出了加強經(jīng)營創(chuàng)新與風險管理的重要意義。第二部分重點從商業(yè)銀行間的同業(yè)競爭壓力、經(jīng)營成本不斷上升的壓力增強、銀行與企業(yè)之間的關系發(fā)生轉變、社會經(jīng)濟發(fā)展和居民收入水平增加要求金融創(chuàng)新、我國商業(yè)銀行加強經(jīng)營管理也要求經(jīng)營創(chuàng)新等方面分析了我國商業(yè)銀行經(jīng)營創(chuàng)新的主要動力和經(jīng)營創(chuàng)新中產(chǎn)生的風險成因。第三部分主要介紹了國外商業(yè)銀行在經(jīng)營創(chuàng)新過程中產(chǎn)生的教訓、世界著名商業(yè)銀行風險控制的成功經(jīng)驗。第四部分從對風險產(chǎn)生的內(nèi)控管理水平、加強跨國經(jīng)營中的風險控制、建立起行之有效的預警管理體系、城市商業(yè)銀行經(jīng)營創(chuàng)新中加強風險防范、加強對商業(yè)銀行投行業(yè)務的風險控制等角度提出在經(jīng)營創(chuàng)新中加強風險管理的對策。
[Abstract]:The operation innovation of commercial banks is mainly due to the adjustment of the development strategy made by commercial banks in the face of the changes in the market operating environment, in order to adapt to the intensification of inter-bank competition in the process of economic development. The changes in the external operating environment, such as excess liquidity in the market, changes in the structure of consumer customer groups, financial disintermediation, etc., are analyzed from the internal management of commercial banks in China. The main reason is that the traditional management thinking still exists, and the backward management mode needs to be developed and transformed from the inside of the bank. At the same time, we should also see that with the diversification of the business objectives of commercial banks, the overall control of risk generation, reduce transaction costs, adjust business development strategy, optimize the main business structure. Coping with the influence of market risk and adapting to the change of market demand have become the main problems in the process of risk control of commercial banks. Only by realizing business innovation of commercial banks and constructing a perfect asset allocation system. Only by expanding profit space can we effectively disperse risks, strengthen the internal management of commercial banks, form a perfect risk control system, and provide system guarantee for commercial banks' operation innovation. This thesis is divided into four parts: the first part summarizes the main theories and evolution process of commercial bank innovation and risk management, and analyzes the main problems in the development of commercial bank management in China. The current situation of risk management, put forward the importance of strengthening business innovation and risk management. The second part focuses on the interbank competition pressure between commercial banks, the increasing pressure of operating costs. The relationship between banks and enterprises has changed, the social and economic development and the increase of residents' income level require financial innovation. This paper analyzes the main motive force and the risk causes of the management innovation of the commercial banks in our country. The third part mainly introduces the foreign commercial banks in the foreign commercial banks in the foreign commercial banks in the foreign commercial banks in the third part of the introduction of foreign commercial banks in the foreign commercial banks in the third part. Lessons learned from the process of business innovation. The successful experience of the world famous commercial bank risk control. 4th part from the risk management level of internal control, strengthen the risk control in transnational operation, establish an effective early warning management system. This paper puts forward the countermeasures of strengthening risk management in the management innovation of city commercial banks from the angles of strengthening risk prevention and strengthening the risk control of investment banking business of commercial banks.
【學位授予單位】：東北師范大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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