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作为农行县域支行A行,柜面业务的操作呈现出农行柜面业务的共性和县域服务
支行的特性,在A农行的柜面业务实际运营中,由于主客观的原因,存在着多处
风险隐患,比如操作流程、员工执行力以及运营系统等方面。如何结合自身实际
情况,在已有的柜面业务操作风险管理措施的基础上,更好地进行柜面业务操作
风险管理,已成为A农行必须面对和亟待解决的问题
本文在梳理研究背景及国内外研究文献的基础上,对研究问题进行理论分析,
然后将研宄对象具体化,论述了 A农行柜面业务发展现状,归纳总结了柜面业务
在运营中存在的问题,针对问题进行方案的优化设计,提出了方案实施的保障措
施,最后对本文的所做工作进行总结,进而得出A农行有效管理柜面业务操作风
险的结论。本文创新点主要体现在:第一,与大部分论文从宏观层面谈中国商业
银行柜面业务的操作风险不同,本文从微观层面入手,基于对A农行的分析,探
I 讨了 A农行在柜面业务操作管理中存在的问题,据此提出的柜面业务操作风险的
管理,操作性和针对性更强,在研宄内容上更具前瞻性。第二,针对A农行操作
风险管理存在的问题,提出了 A农行的柜面风险管理的优化设计方案,从事前防
范、事中控制、事后矫正三个方面进行方案设计,并且为方案的实施提出了保障
措施,从而更为全面的、有针对性的进行风险的控制
关键词:柜面业务操作风险风险管理
II Abstract
In China&39;s financial market, commercial banks are the most important financial
institutions, in the economic operation of the credit intermediary, the idle funds together,
and then through the use of credit and other forms of resources to optimize the role of
the allocation at the same time, Commercial banks exist for profit, profitability is its
most important purpose. As a result of the operation of the bank with a special
commodity, then the commercial banks in the business is bound to exist risks, therefore,
from this perspective, the management of a commercial bank, in addition to
management, organizational structure, but also manage the bank facing all Risk, the
special nature of commercial banks lies in the management of risk. As a credit
intermediary bank in operation,in addition to credit risk, but also because of the market
downturn or economic turmoil facing market risk, due to lack of funds facing the
liquidity risk, due to counter operator irregularities and risk Mismanagement and
operational riskj these risks have a significant impact on the business operations of a
commercial bank. Rising prosperity in recent years, with the financial market＊
constantly complicated social and economic environment, face the operation risk of
commercial Banks, including counter business operational risks in commercial Banks
in operation risk has become an extremely important aspect, is the biggest in the
day-to-day running business organizations at the grass-roots level the risk of the most
direct. Counter of the bank to provide service for the customer&39;s important place, in the
process of counter operation risk case occurred. Counter control operational risk to the
bank management, benefits and reputation has brought great negative impact.
Agricultural bank of China attaches great importance to the counter in business
operation and the management of risk prevention, formulated a series of,multi-level
and comprehensive coverage of counter business operation risk management measures
to ensure the quality of counter business, pay attention to counter business operation
risk prevention. As ABC county branch lines, A counter business operation present
agricultural bank counter business of commonness and characteristics of county service
branch. Counter business of internal operation process, personnel, system and so on
variovis aspects have operating risks. How to combine their own actual situation, the
III existing counter business operations, on the basis of risk management measures,
better for counter business operation risk management, has become A bank must face
and problems to be solved.
On the basis of combing the research background and domestic and foreign
research literature, this paper makes a theoretical analysis of the research problem, then
analyzes the object of the study, discusses the problems of the operational risk of the
A-line office business, and summarizes and discusses the counter business Operational
risk improvement measures, and finally summed up the work done in this paper, A
Agricultural Bank of China effective management of counter operations risk
conclusions. This article innovation mainly reflected in: firstly, from the macro level ,
the difference between this article from most of the papers talking about China&39;s
commercial bank counter business operation risk is that this article obtains from the
micro level to the agricultural bank of China A line counter business operation risk case
as the research object, deeply analyze the counter the current situation of operational
risk, management problems, thus put forward the counter business operation risk
management, operational and targeted stronger, more forward-looking on research
content. Secondly, according to the problems existing in A ABC&39;s operational risk
management, this paper puts forward the optimal design scheme of counter-risk
management of A-ABC, and puts forward the scheme design in three aspects:
pre-prevention, event control and post-correction. The safeguard measures, so as to be
more comprehensive, targeted risk control.
Keywords: Counter business Operational risk Risk management
IV 目录
m m i
Abstract
Ill
第1章导论 1
1.1研宄背景1.2研宄目的与意义1.2.1研宄目的1.2.2研宄意义1.3国内外研究现状1.3.1国外研宄现状
3 -a
1.3.2国内研宄状况1.3.3文献评述1.4研宄思路与方法1.4.1研宄思路1.4.2研宄方法1.5研宄内容
8尤
1.6创新之处第2章操作风险的相关理论基础2.1操作风险相关概念的界定2.1.1操作风险的定义2.1.2商业银行柜面操作风险的定义2.2操作风险相关理论2.2.1内部控制理论2.2.2风险防控理论2.2.3公司治理理论第3章A农行柜面业务操作风险管理现状分析3.1 A农行企业介绍3.1.1农行总体情况概述V 3.1.2 A农行情况概述3.2 A农行柜面风险及其管理状况3.2.1 A农行柜面业务及发展趋势3.2.2A农行面临的柜面业务操作风险3.2.3A农行现有柜面业务操作风险管理体系3.3A农行柜面业务操作风险管理存在的问题3.3.1风险管理条块分割3.3.2制度执行不力3.3.3监管工作质效有待加强3.4A农行操作风险管理存在问题的原因分析
21
3.4.1操作风险防范意识薄弱
21
3.4.2银行内部业务流程不完善
21
3.4.3柜面业务人员专业素养不足
22
3.4.4技术系统不完善
22
第4章A农行柜面业务操作风险管理优化方案设计
25
4.1设计目标
25
4.2优化方案设计原则
25
4.2.1全面性原则
25
4.2.2可操作性原则
25
4.2.3适时调整原则
26
4.3A农行柜面业务操作风险管理优化方案设计
26
4.3.1 A农行柜面业务操作风险事前防范
26
4.3.2 A农行柜面业务操作风险事中控制
28
4.3.3A农行柜面业务操作风险事后矫正
30
第5章A农行柜面业务操作风险管理优化方案实施的保障措施........35
5.1培育企业文化,增强防范意识
35
5.2有计划、有重点地开展人员培训
36
5.3建立适合A农行操作风险管理的考核与激励制度
36
5.3.1改进柜员考核体制
36
5.3.2改进机构考核体制
37
5.4对相关制度规章的适应性和有效性及时分析评价
37
VI 第6章结论与展望
39
6.1研宄结论
39
6.2展望 40
参考文献 41
it 45
攻读学位期间研究成果
47
VII 第1章导论
第1章导论
1.1研究背景
在我国金融市场中,商业银行是最重要的金融机构,在经济运行中扮演着信
用中介,将闲散的资金集中起来,再通过信贷等形式运用,能够对资源起到优化
配置的作用,同时,商业银行是为了盈利而存在,盈利性是其最重要的目的。由
于银行经营着特殊的商品,那么,商业银行在经营中势必存在着风险,因此,从
这个角度来说,管理一家商业银行
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