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江苏银行财务风险管理研究_MBA硕士毕业论文DOC

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文本描述
摘要
随着我国宏观经济的持续增长和资本市场的快速发展,银行业作为我国经
济体系的重要组成部分也取得了突飞猛进的发展。近几年来,随着技术手段的
进步和金融创新步伐的加快,商业银行的盈利模式正在逐步调整,金融产品和
服务日益丰富,银行资产规模不断扩大,随之而来的则是商业银行面临的各类
财务风险越来越大。虽然商业银行财务风险已经引起了越来越多的关注,也有
越来越多的银行将财务风险放到一个重要的位置,但是随着金融创新步伐的加
快以及外部环境的复杂多变,商业银行财务风险的管理难度却越来越高。就我
国商业银行当前的财务风险管理水平而言,无论是经验还是能力相较于西方发
达国家均远远不足,这也使得我国商业银行在财务风险管理方面暴露出许多问

江苏银行是在江苏省内原 10 家城市商业银行基础上合并重组而来的,是近
几年来发展最快的城市商业银行之一,具有研究的典型性。对于年轻的江苏银
行来说,尽管在财务风险管理方面已经取得了一定成效,但是仍存在不少问题

从发展趋势和竞争环境看,如何管理财务风险、如何培养风险管理人才、如何
完善财务风险管理体系、如何提升财务风险防控能力,以及如何降低各种不确
定性因素的影响已经成为江苏银行在当前经营管理过程中面临的重要课题

本文旨在以江苏银行财务风险管理作为研究对象,围绕着其所面临的财务
风险展开论述。首先,对商业银行财务风险管理的相关概念进行界定,并对商
业银行财务风险管理理论和模糊综合评价法予以介绍,为接下来的研究奠定理
论基础;其次,对江苏银行风险管理现状进行深入研究和分析,指出其在管理
过程中存在的问题及成因;再次,结合江苏银行近几年的财务报表数据和面临
的主要财务风险类型,利用模糊综合评价的方法对其财务风险以一种全新、有
效的方式进行综合分析,得出评价结果;最后,在对江苏银行财务风险综合评
估的基础上,提出改善的对策与建议,以期促使江苏银行有效应对财务风险

笔者希望通过本文的研究,能够帮助江苏银行切实改善财务风险管理,也希望
借此论文给其他商业银行在提升财务风险管理能力方面提供一些参考

关键词:江苏银行;商业银行;财务风险;风险管理;模糊综合评价MBA 学位论文 作者:桑海峰 江苏银行财务风险管理研究
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Abstract
With the sustained growth of China&39;s macro-economy and the rapid development of capital
market, the banking industry as an important part of China&39;s economic system has also made
rapid development. In recent years, with the advancement of technological means and the
acceleration of financial innovation, the profit model of commercial banks is gradually adjusted;
The financial products and services are increasingly rich and the scale of bank assets is
expanding, at the same time, all kinds of financial risk the commercial banks facing is increasing.
Although the financial risk of commercial banks has been caught much attention, and financial
risk has been put into an important position by the leaders of more and more banks, it is
becoming more and more difficult to manage the financial risk of commercial banks because of
the acceleration of financial innovation and the complex and changeable external environment.
In terms of the current financial risk management ability of China&39;s commercial banks, both
management experience and capability are far less than those of western developed countries,
which also expose many problems in financial risk management of commercial banks in China.
The Bank of Jiangsu is one of the fastest growing urban commercial banks in recent years,
which is merged and recombined based on ten city commercial banks in Jiangsu Province. It is a
representative of the city commercial bank in Jiangsu province. For the young Bank of Jiangsu,
despite some achievements has been achieved in financial risk management, there are still many
problems needing to be improved continuously. Due to the development trend and competition
environment of banking, how to manage the financial risk, how to train the risk management
professionals, how to manage the bank, how to improve the financial risk management system,
how to improve the financial risk prevention and control ability, and how to reduce the impact of
various uncertain factors on its financial results have become an important subject in the current
management process.
This article aims to study the management of the financial risks faced by Bank of Jiangsu
and analyze its financial risk management. Firstly, it introduces the concepts and theories of
financial risk on commercial banks, which lays a theoretical foundation for the follow-up
research and analysis. Secondly, it makes an in-depth study and analysis of the current situation
of Jiangsu bank&39;s risk management, and points out its problems and causes in the process of
management. , Thirdly, considering the financial statements of the Bank of Jiangsu in recent
years and the types of major financial risks, it conducts a comprehensive analysis of the bank’sMBA 学位论文 作者:桑海峰 江苏银行财务风险管理研究
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financial risk and obtained evaluation results with the use of fuzzy comprehensive evaluation of
its financial risk in a new and effective way. Lastly, this paper puts forward some
countermeasures and suggestions to improve the financial risk of the Bank of Jiangsu. The
author hopes that through the research of this paper, it can help the Bank of Jiangsu to improve
the financial risk management, and hope this paper can provide reference for other commercial
banks to improve their financial risk management ability.
Key Words: Bank of Jiangsu; commercial bank; financial risk; risk
management; fuzzy comprehensive evaluation methodMBA 学位论文 作者:桑海峰 江苏银行财务风险管理研究
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目录
一、绪论.....1
(一)研究背景和意义 .1
(二)研究内容与思路 .3
(三)研究方法..4
(四)技术路线..5
二、财务风险管理相关理论综述7
(一)财务风险管理相关概念界定 .....7
(二)商业银行财务风险管理理论基础 .......12
(三)商业银行财务风险管理流程与策略 ...16
(四)模糊综合评价法 ...........19
三、江苏银行财务风险管理现状与问题分析..23
(一)江苏银行概况 ...23
(二)江苏银行财务风险管理现状与能力评估 .......25
(三)江苏银行财务风险管理存在的主要问题 .......33
(四)江苏银行财务风险管理存在问题原因分析 ...36
四、江苏银行财务风险分析与评价......38
(一)江苏银行主要会计数据和财务指标 ...38
(二)江苏银行主要财务风险分析 ...41
(三)江苏银行财务风险模糊综合评价 .......48
五、加强江苏银行财务风险管理的措施..........59
(一)营造财务风险管理环境 ...........59
(二)提升财务风险管理能力 ...........60
(三)强化财务风险应对措施 ...........62
六、结束语 ..........65
(一)主要内容与结论 ...........65MBA 学位论文 作者:桑海峰 江苏银行财务风险管理研究
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(二)未来研究展望 ...66
参考文献...67
致谢...........69
作者简历.
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