摘要
I
摘要
随着全球金融的快速发展，商业银行面临着各种外界因素的不确定性和不断
变化，自主业务创新需求不断增加、商业银行柜面系统设计越来越复杂，同时对
于柜员的柜面交易操作要求不断提高，增加了柜面交易操作风险的发生率。研究
发现由不完善的程序、人员及系统内外部事件造成的柜面交易风险往往给商业银
行带来较大损失。巴塞尔委员会认为操作风险是银行业金融机构面临的三大风险，
此后业界和学术界开始了对商业银行柜面交易风险管理的研究。通常情况下来看，
柜面交易风险是一种特殊的操作风险，具有操作风险的所有性质。随着我国银行
业的转型，由于内部管理机制不完善，柜面交易风险这种特殊的操作风险往往是
我国银行业最主要的风险来源之一。与国际先进水平相比，我国由于操作风险引
发的商业银行风险的比例远高于国际平均水平。因此，研究柜面交易风险的识别
与预警具有一定的现实意义

本文立足商业银行柜面交易风险识别理论，结合 CD 银行关于柜面交易风险的
实际情况，对以下问题进行研究：
首先叙述本文研究背景和意义，通过总结国内外专家对于商业银行柜面风险
管理研究成果以后，对当前研究的不足进行讨论；此后，介绍本文研究所用到的
相关理论和方法进行介绍，奠定本文研究的理论基础；通过结合 CD 银行的基本情
况和分析 CD 银行现柜面交易风险管理现状，总结出现 CD 银行柜面交易风险管理
中存在的不足之处，进一步说明本文研究的必要性和重要性，以及为本文后续研
究指出方向；在后续的研究内容中，本文重点研究了 CD 银行柜面交易风险识别、
CD 银行柜面交易风险评价和 CD 银行柜面交易风险防范三大内容。在风险识别的研
究中，本文关注风险识别原则、风险识别方法以及对风险识别结果进行分析，通
过对 CD 银行柜面交易风险识别研究，本文识别出 CD 商业银行柜面交易存在的潜
在风险点；在风险评价过程中，使用模糊综合评价法对风险进行评价，最终得到
CD 银行柜面交易的主要风险；随后，本文分别从业务制度优化、风险文化建设、
创新预警模型预防措施三个方面进行了详细的阐述。此外，本文还结合实际案例，
对柜面交易风险预警模型的效果进行说明，证明了风险防范措施的有效性

最后，对本文的研究进行总结，指出本文研究的不足之处以及对今后工作进
行展望

关键字：柜面交易、风险识别、风险评估、风险预警ABSTRACT
II
ABSTRACT
With the rapid development of global finance, commercial banks face a variety of external
factors of uncertainty and constantly changing, independent business innovation needs continue to
increase, commercial bank counter system design more and more complex, and for the teller counter
transaction operation Increasing requirements increase the probability of operational risk exposure.
With the size of commercial banks and business continues to expand, operational risk in the
proportion of total risk is growing. The study found that the risk of counter-dealing caused by
imperfect procedures, personnel and internal and external events often brought greater losses to
commercial banks. The importance and urgency of the Basel Committee to incorporate operational
risk into one of the three risks of banking financial institutions has been widely concerned about the
importance and urgency of managing and preventing operational risk. Counter trading risk as a
special operational risk, with all the nature of operational risk. With the transformation of China&39;s
banking industry, due to the internal management mechanism is not perfect, counter trading risk of
this special operational risk is often one of the most important sources of risk in China&39;s banking
industry. Compared with the international advanced level, China&39;s operating risk caused by the risk
of commercial banks is much higher than the international average. Therefore, it is of practical
significance to study the identification and early warning of counter transaction risk.
Based on the commercial bank counter risk identification theory, combined with the CD bank
on the counter transaction risk of the actual situation, the following issues:
First of all, this paper describes the background and significance of this paper, summarizes the
domestic and foreign experts for the commercial bank counter risk management research results, the
analysis of the current research deficiencies; Subsequently, the relevant theories and methods used in
this article to lay the foundation of this paper By summarizing the basic situation of CD bank and
analyzing the current situation of risk management of CD counter, it summarizes the shortcomings in
the risk management of CD bank counter, and further explains the necessity and importance of this
paper. In the follow-up research, this paper focuses on the CD bank counter risk identification, CD
bank counter risk assessment and CD bank counter risk prevention three major content. In the study
of risk identification, this paper focuses on the principle of risk identification, the method of risk
identification and the analysis of risk identification. Through the study of CD bank counter
transaction risk identification, this paper identifies the potential risk points of CD commercial bank
counter transactions; In the process of risk assessment, the fuzzy comprehensive evaluation methodABSTRACT
III
is used to evaluate the risk, and finally the main risk of CD bank counter transaction is obtained.
Then, this paper analyzes the three aspects of business system optimization, risk culture construction
and innovation early warning model Detailed elaboration. In addition, this paper also illustrates the
effectiveness of the risk prevention measures by explaining the effect of the risk warning model of
the counter transaction.
Finally, the author summarizes the research of this paper, points out the shortcomings of this
paper and prospects for future work.
Keywords: counter trading, risk identification, risk assessment, risk warning目录
IV
目录
第一章 绪论.........1
1.1 研究背景和意义.1
1.2 国内外研究现状.2
1.3 研究方法和内容.5
1.4 论文章节安排.....7
1.5 本章小结..8
第二章 相关理论和方法.9
2.1 商业银行柜面交易风险相关理论.........9
2.2 商业银行柜面交易风险识别方法.......11
2.3 商业银行柜面交易风险评价方法.......11
2.4 商业银行柜面交易风险防范方法.......13
2.5 本章小结...........13
第三章 CD 银行及柜面交易风险管理现状.....14
3.1 CD 银行简介......14
3.2 CD 银行柜面交易风险管理的必要性..14
3.3 CD 银行柜面交易风险管理现状..........15
3.4 CD 银行柜面交易风险管理不足..........16
3.5 本章小结...
。。。以上简介无排版格式，详细内容请下载查看