本文選題：商業(yè)銀行 + 財(cái)務(wù)風(fēng)險(xiǎn)　； 參考：《吉林財(cái)經(jīng)大學(xué)》2015年碩士論文

【摘要】：在市場(chǎng)經(jīng)濟(jì)復(fù)雜多變的大環(huán)境中,商業(yè)銀行在經(jīng)營(yíng)過(guò)程中會(huì)面臨各類風(fēng)險(xiǎn)。而商業(yè)銀行目前的主要工作是對(duì)資金進(jìn)行管理,財(cái)務(wù)風(fēng)險(xiǎn)成了商業(yè)銀行所面臨的最主要風(fēng)險(xiǎn)之一。財(cái)務(wù)風(fēng)險(xiǎn)產(chǎn)生于銀行財(cái)務(wù)運(yùn)營(yíng)的各個(gè)環(huán)節(jié),具體表現(xiàn)在資本風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)等方面。因此在了解我國(guó)商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)的含義及重要性的基礎(chǔ)上,對(duì)財(cái)務(wù)風(fēng)險(xiǎn)進(jìn)行預(yù)防和控制對(duì)商業(yè)銀行來(lái)說(shuō)具有重要的意義。筆者采用文獻(xiàn)研究法通過(guò)閱讀和分析國(guó)內(nèi)外文獻(xiàn),了解國(guó)內(nèi)外相關(guān)研究動(dòng)態(tài),借鑒前人的研究思路和方法,加入自己的想法和思考并展開(kāi)研究。再結(jié)合案例研究法,以J銀行的財(cái)務(wù)風(fēng)險(xiǎn)狀況為例,在分析J銀行財(cái)務(wù)風(fēng)險(xiǎn)管理現(xiàn)狀及風(fēng)險(xiǎn)成因的基礎(chǔ)上相應(yīng)的提出具有針對(duì)性的建議,以加強(qiáng)商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)管理及合理規(guī)避商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)。本文第一章對(duì)財(cái)務(wù)風(fēng)險(xiǎn)管理的國(guó)內(nèi)外文獻(xiàn)進(jìn)行概括綜述,闡述了對(duì)商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)管理的研究意義;第二章論述了商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)管理的理論基礎(chǔ),商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)管理理論經(jīng)歷不同階段,是一個(gè)逐漸完善的過(guò)程;第三章結(jié)合J銀行具體情況分析J銀行的財(cái)務(wù)風(fēng)險(xiǎn),并總結(jié)了J銀行對(duì)財(cái)務(wù)風(fēng)險(xiǎn)的管理內(nèi)容;第四章分析了J銀行在財(cái)務(wù)風(fēng)險(xiǎn)管理中暴露的問(wèn)題,并針對(duì)問(wèn)題提出了解決建議;第五章對(duì)整篇文章進(jìn)行了總結(jié)和展望,以J銀行為例對(duì)商業(yè)銀行的財(cái)務(wù)風(fēng)險(xiǎn)管理的借鑒意義。本文的創(chuàng)新之處在于以J銀行為例,對(duì)我國(guó)商業(yè)銀行的財(cái)務(wù)風(fēng)險(xiǎn)管理問(wèn)題進(jìn)行了較為全面的研究分析,J銀行成立時(shí)間短,作為年輕企業(yè),J銀行少有被作為案例從商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)管理的角度進(jìn)行分析,在研究?jī)?nèi)容上有所創(chuàng)新。筆者在對(duì)J銀行的財(cái)務(wù)風(fēng)險(xiǎn)管理對(duì)策進(jìn)行探討時(shí),在問(wèn)題的解決措施上也有創(chuàng)新,提出了將大數(shù)據(jù)技術(shù)應(yīng)用于財(cái)務(wù)風(fēng)險(xiǎn)管理當(dāng)中,建立信用風(fēng)險(xiǎn)評(píng)級(jí)體系,以有效控制商業(yè)銀行的信用風(fēng)險(xiǎn)。
[Abstract]:In the complicated and changeable environment of market economy, commercial banks will face all kinds of risks in the course of operation. At present, the main work of commercial banks is to manage funds, and financial risk has become one of the most important risks faced by commercial banks. Financial risk comes from every link of bank financial operation, which is manifested in capital risk, liquidity risk and so on. Therefore, on the basis of understanding the meaning and importance of financial risk of commercial banks in China, it is of great significance to prevent and control financial risks for commercial banks. By reading and analyzing the domestic and foreign literature, the author uses the literature research method to understand the research trends at home and abroad, draws lessons from the previous research ideas and methods, and adds his own ideas and thoughts and carries out the research. Combined with the case study method, taking the financial risk situation of bank J as an example, this paper puts forward corresponding suggestions on the basis of analyzing the present situation and causes of financial risk management of J bank. In order to strengthen the commercial bank financial risk management and reasonable avoidance of commercial bank financial risk. The first chapter summarizes the domestic and international literature on financial risk management, expounds the significance of the research on the financial risk management of commercial banks, the second chapter discusses the theoretical basis of financial risk management of commercial banks. The theory of financial risk management of commercial banks goes through different stages, which is a gradual improvement process. Chapter three analyzes the financial risks of Bank J in combination with the specific situation of Bank J, and summarizes the management contents of financial risks in Bank J. Chapter four analyzes the problems exposed by J Bank in the financial risk management, and puts forward some suggestions to solve the problems. Chapter five summarizes and prospects the whole article, taking J Bank as an example, the reference significance of the financial risk management of commercial banks is given. The innovation of this paper is that taking J Bank as an example, this paper makes a comprehensive study on the financial risk management of commercial banks in China. As a young enterprise, Bank J is rarely used as a case to analyze the financial risk management of commercial banks. When the author discusses the financial risk management countermeasures of J Bank, there are some innovations in solving the problems. The author puts forward the application of big data technology to the financial risk management and the establishment of credit risk rating system. To effectively control the credit risk of commercial banks.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.33;F830.42

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相關(guān)期刊論文 前2條

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本文編號(hào)：1793186