目 录
1. 绪论 .. 1
1.1 选题背景与研究意义 . 1
1.1.1 选题背景 ........... 1
1.1.2 研究意义 ........... 1
1.2 国内外研究概述 ......... 2
1.2.1 国外研究综述 ... 2
1.2.2 国内研究综述 ... 3
1.3 研究思路、方法、内容与框架 ......... 5
1.3.1 基本思路与研究方法 ... 5
1.3.2 研究内容与框架结构 ... 5
1.4 本文不足之处 . 6
2. 外资银行风险管理相关理论概述 .. 7
2.1 银行风险 ......... 7
2.1.1 银行风险的概念和分类 ........... 7
2.1.2 外资银行面临的特殊风险 ....... 9
2.2 银行风险管理 ........... 10
2.2.1 矩阵式风险管理模式 . 10
2.2.2 以风险评级体系为核心的风险管理模式 ..... 11
2.2.3 垂直化风险管理模式 . 12
2.2.4 全面风险管理模式 ..... 12
2.3 外资银行在华风险管理的典型模式分析 ... 13
2.3.1 渣打银行矩阵式风险管理模式 ......... 13
2.3.2 德意志银行垂直式风险管理模式 ..... 15
2.3.3 花旗银行风险评级体系管理模式 ..... 17
3. D 外资银行在华业务的风险管理模式分析 ......... 19
3.1 D 外资银行概述 ........ 19
3.1.1 D 外资银行简介 .......... 19
3.1.2 D 外资银行在华发展历程 ...... 19
3.2 D 外资银行风险管理概况 .... 20
3.2.1 D 外资银行在华业务的风险类型 ...... 20
3.2.2 D 外资银行风险管理组织结构 .......... 21
3.2.3 D 外资银行风险管理制度 ...... 23II
3.2.4 D 外资银行风险管理运行机制 .......... 24
4. D 外资银行在华业务风险管理模式改进 . 26
4.1 D 外资银行风险管理模式的不足及成因 .... 26
4.1.1 存在的不足 ..... 26
4.1.2 基本成因 ......... 26
4.2 D 外资银行风险管理模式的改进 .... 27
4.2.1 D 外资银行风险管理模式改进的基本思路 .. 27
4.2.2 D 外资银行风险管理的改进模式 ...... 28
4.2.3 D 外资银行风险管理模式落实的保障措施 .. 33
结束语.34
参考文献.........35
致 谢.37III
Contents
1 Introduction 1
1.1 Research background and significance 1
1.1.1 Research background 1
1.1.2 Research significance 1
1.2 Summary of research at home and abroad2
1.2.1 Foreign research review2
1.2.2 Domestic research review 3
1.3 The research idea, method, content and framework5
1.3.1 Basic ideas and research methods 5
1.3.2 The research content and frame structure 5
1.4 This article deficiency 6
2 Introduction to the theory of foreign Banks' risk management related 7
2.1 Banks' risk 7
2.1.1 The concept and classification of bank risk7
2.1.2 The particular risk of foreign Banks 9
2.2 Banks' risk management main modes10
2.2.1 The matrix of risk management mode 10
2.2.2 Risk rating system as the core of risk management11
2.2.3 Distance between the risk management model 12
2.2.4 Comprehensive risk management model 12
2.3 Foreign Banks in China, the typical pattern analysis of risk management 13
2.3.1 Standard chartered bank risk matrix management model13
2.3.2 Deutsche bank vertical risk management model 15
2.3.3 Citi bank risk rating system management mode 17
3 D foreign Banks risk management mode analysis of business in China 19
3.1 Summary of D foreign Banks 19
3.1.1 D foreign Banks19
3.1.2 D foreign Banks development course in China 19
3.2 D foreign Banks risk management profile management 20
3.2.1 D the risk of foreign Banks in the business type 20
3.2.2 D foreign Banks risk management organizational structure21
3.2.3 D foreign Banks risk management system 23
3.2.4 D foreign Banks risk management operation mechanism 24IV
4 D foreign Banks risk management mode of improvement 26
4.1 D deficiency and the cause of the foreign Banks' risk management model 26
4.1.1 The deficiencies26
4.1.2 Cause analysis26
4.2 D foreign Banks risk management mode of improvement 27
4.2.1 The basic thought of improving D foreign Banks’risk management model
27
4.2.2 D foreign Banks risk management improvement patterns 28
4.2.3 The safeguards of implementing D foreign Banks’ risk management
model 33
Conclusion34
References 35
Acknowledgements 371
摘 要
东南亚金融危机过后，分处各地的经济体之间的相互联系得到进一步加深
伴随着经济生产和贸易的国际化，经济资本和金融资本必将会以货币资本和商品
资本等表现形式在世界各国中发挥着重要的作用。根据中国与世界贸易组织签订
的协议，中国最晚于 2006 年底会向世界全面开放金融业，诸如汇丰银行、渣打
银行等国际知名银行纷纷开始在中国等亚洲国家布局业务和分支机构，分享中国
等新兴国家的经济改革和经济发展所带来的银行业发展红利
一路走来，跨国性的外资银行在中国的经营历史已有 30 多年，发展也从开
始的繁荣期走向了挑战期，各种银行业的风险案件屡见不鲜，随着各类风险的逐
渐暴露，在华设立了总行及分支机构的外资银行也加强了对风险的重视，逐步提
升风险管理的能力和水平，风险管理工作也逐渐成为外资银行开展业务的重要环
节。要分析 D 外资银行风险管理模式的现状及不足之处，必然要先从渣打银行、
花旗银行等风险管理模式成熟的外资银行入手，找出其优势与不足，并以此作为
参考
本文以 D 外资银行为对象进行研究，采用了相关概念及理论阐述与个别外
资银行的案例分析相结合的方法，在对外资银行在华经营情况和面临的风险及风
险管理模式进行分析的基础上，指出该外资银行所面临的风险及风险管理模式的
不足。在充分考虑 D 外资银行发展历史短，风险管理手段单一等现实前提下，设
计出适合于 D 外资银行进行风险管理的模式，以促进其风险管理手段的优化发
展，实现该外资银行在华经营的效益性与稳健性
在内容安排上，本文共分为四个部分
第一章，论述了本文的研究背景和意义，对国外和国内关于此论题的研究情
况进行了综合评述，阐述了本文的研究思路、方法、内容和结构框架，指出本文
中存在的不足之处
第二章，介绍了银行业风险的概念和分类，阐述了风险管理模式的概念与理
论，分析了外资银行面临的特殊风险。在参阅大量文献和银行实际工作考察的基
础上，选取了渣打银行、德意志银行、花旗银行等具有代表性的外资银行的风险
管理模式进行阐述和案例分析，为下文的案例分析奠定了理论基础
第三章，在前文理论阐述的基础上，对 D 外资银行在华业务发展情况进行
概述，并对其面临的风险及所采取的风险管理模式进行阐述和分析
第四章，分析了 D 外资银行现有风险管理模式的不足和成因。为了更好地
实现 D 外资银行在华经营发展的效益性与稳健性，设计出了一套适用于 D 外资
银行的垂直化与全面化相结合的风险管理改进模式，以便优化其现有的风险管理
模式
关键词：外资银行 银行风险 风险管理2
Abstract
In the wake of the financial crisis of southeast Asia, countries around the world
economy further deepen connect with each other. With the internationalization of
economic production and trade, the economic capital and financial capital will form as
monetary capital and capital goods, and play an important role in the world. According
to the agreement signed between China and the world trade organization, China's late at
the end of 2006 will be fully opened to the world financial industry, such as HSBC and
standard chartered bank and other international well-known Banks began to layout
business in China and branch offices, to share China's reform and opening up the
economic dividends.
So far, the modern business history of foreign Banks in China has more than 30
years, the development also to the challenge from the start of the boom period, all sorts
of risk events also emerge in endlessly, bank risk and bank risk management began to
get the attention of foreign Banks, risk management also gradually become an important
part of the foreign Banks doing business. To analyze D foreign Banks risk management
mode of the present situation and deficiency, must begin with standard chartered bank,
citi bank risk management model of mature foreign Banks to obtain, to find out its
advantages and disadvantages, and serves as a reference.
Based on the foreign capital bank D as an object for research, used the related
concepts and theoretical elaboration and individual case analysis method of combining
the foreign Banks, in foreign Banks operating in China and the risk and risk
management model on the basis of the analysis of, pointed out that the foreign Banks
facing the lack of risk and risk management mode. In mature D short development
history of foreign Banks, risk management methods such as single reality in advance,
and design the D are suitable for foreign Banks to undertake risk management mode, in
order to promote the optimization of risk management, the realization of the efficiency
and robustness of the foreign Banks operating in China.
Arrangement of the content, in this paper is divided into six parts.
The first chapter, this paper discusses the research background and significance of
this article, the foreign and domestic research conducted a comprehensive review about
this topic, elaborated this article research idea, method, content and structure framework,
is pointed out that the possible innovation of this article is different from other
literatures point and the existing shortcomings.3
The second chapter, this paper introduces the concept of banking risk and the risk
management and related theory, this paper expounds the impact on development of bank
risk management mode, nalysis particular risk of foreign banks，refer to a large number
of literature on the basis of investigation and bank practical work, this paper expounds
the basic methods of foreign Banks' risk management and new methods in recent years.
Selected the standard chartered bank, deutsche bank, citibank representative on the
foreign Banks risk management model and case analysis, contrast to draw foreign
Banks risk management model and advanced deficiency,laid the theoretical basis for
below case analysis.
The third chapter, through the development of foreign Banks in China, foreign
Banks are analyzed in detail the basic risk in day-to-day operations and the specific
risks facing the doing business in China, the formation of a specific cognition of the
foreign Banks doing business in China is faced with the risk, objective analysis of the
characteristics of the foreign capital bank risks.
The fourth chapter, points out the shortage of D foreign Banks risk management
pattern and reasons.for the following analysis D the shortage of the foreign Banks risk
management model to lay the foundation.in order to better implement D efficiency and
robustness of the development of foreign Banks operating in China, puts forward the
required to achieve the goal of risk management mode. On this basis, designed a set of
applicable to the foreign capital bank D flat overall risk management and risk
management of combining the risk management mode, and the afeguards of
implementing D foreign Banks’ risk management model,in order to optimize the
existing model of risk management.
Key words: Foreign Banks Bank Risk Risk Management1. 绪论
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