全球金融危机以后，为了进一步提升其竞争力，很多银行都会希望能够减低成本， 集中优势资源发展其核心业务。选择与第三方机构合作的方式，成为了很多银行寻求变 革的一种发展方向。在银行的日常经营活动过程中，当第三方机构的主导权不断增长时， 第三方合作的风险管理成为不可忽视的环节。同时，由于第三方合作机构的管理不到会， 极有可能会出现风险传染，直接影响到银行的商誉，或者是其日常的正常运作被其拖累。 并且，很多国家的监管机构已经洞察到这一变化的趋势，也陆续出台一些相应的监管规 定，来规范商业银行关于第三方风险治理及风险管理的行为。 本文以 S 银行的第三方风险管理作为主要研究对象。通过从第三方风险、外包风险 相关文献研究作为出发点。结合对中外各国金融机构的相关监督管理要求，比较分析目 前先进金融企业关于第三方风险管理的实施情况，来进一步识别和评价 S 银行在第三方 风险管理方面的开展情况及存在问题。主要利用核对表法和德尔菲法来识别出风险。然 后再利用层次分析法对 S 银行中国区分行在第三方风险进行量化和评价，得出中国区分 行所需要重点关注的风险部位。最后，因应这些风险部位，作者提出有针对性地优化风 险管理方案。 优化对策主要集中在以下三个关键问题上，一、防范信息安全风险；二、防范监管 核准风险；三、防范合作第三方财务风险。这些对策的成功推行，可以有效提升 S 银行 中国区分行抵御因第三方合作所带来的风险的能力。同时，对其他中小规模的金融机构 也有普遍的适用意义。 关键词，商业银行；第三方风险；外包；风险管理；德尔菲法 ；层次分析法II Abstract After the global financial crisis, in order to further enhance their competitiveness, many banks will hope to reduce costs and concentrate superior resources to develop their core business. However, with the growing dominance of third-party organizations, third-party risk management have become an important part of the organization. At the same time, because the management of third-party cooperative institutions is not meeting, there is a great possibility of risk contagion, the goodwill of direct banks to banks, or the normal operation of their day-to-day is hampered by it. Moreover, regulators in many countries have been aware of the trend of this change, and have issued some corresponding regulations to regulate the behavior of commercial banks on third-party risk management and risk management. This paper takes the third party risk management of Bank S as the main research object. Through the third party risk, outsourcing risk related literature research as a starting point. Based on the relevant supervision and management requirements of financial institutions in foreign countries, the author compares and analyzes the implementation of the third party risk management of advanced financial enterprises, and further evaluates the development of S bank in the third party risk management, and figure out the problems. Then use the Check List method and the Delphi method to identify the third party risk. And then the analytic hierarchy process is used to make an in-depth analysis and assessment of the risk of bank s China branch in third party, and to obtain the risk areas that need to be focused on in China branch. Finally, in response to these risk locations, the author proposes a targeted optimization of risk management schemes. Optimizing countermeasures on three key issues: First, prevent information security risks; Second, prevent the risk of supervision and approval; Third, prevent third party financial risks of cooperation. The successful implementation of these countermeasures can enhance the ability of Bank S's China branch to withstand the risks caused by third-party cooperation. At the same time, it is also generally applicable to other small and medium-sized financial institutions. Key words: Banks; Third-Party Risk; Outsourcing; Risk Management; Delphi Method; Analytic Hierarchy Process.III 目 录 摘要...........................................................................................................................................I Abstract ..................................................................................................................................... II 图目录.......................................................................................................................................V 表目录......................................................................................................................................VI 第一章 绪论..............................................................................................................................1 1.1 研究背景 .......................................................................................................................... 1 1.2 研究意义 .......................................................................................................................... 2 1.3 国内外研究综述 .............................................................................................................. 3 1.3.1 对第三方风险管理的基本介绍................................................................................ 3 1.3.2 对金融外包风险的研究............................................................................................ 5 1.4 研究内容、研究方法及研究路线 .................................................................................. 7 1.4.1 研究内容.................................................................................................................... 7 1.4.2 研究方法.................................................................................................................... 8 1.4.3 研究路线.................................................................................................................... 9 第二章 金融行业以及 S 银行第三方风险管理现状及存在问题分析................................10 2.1 金融行业对于第三方风险管理的现状 ........................................................................ 10 2.1.1 在队伍建设方面的行业现状.................................................................................. 10 2.1.2 在第三方风险管理平台运用的行业现状.............................................................. 11 2.1.3 在第三方风险管理效能提升的行业现状.............................................................. 12 2.2 S 银行的公司概况 ......................................................................................................... 12 2.3 S 银行的第三方风险管理现状 ..................................................................................... 13 2.3.1 S 银行的第三方风险管理架构............................................................................... 13 2.3.2 S 银行的第三方风险评估体系............................................................................... 18 2.3.3 S 银行的第三方风险管理系统............................................................................... 19 2.4 S 银行中国区分行的第三方风险管理特点 ................................................................. 19 2.5 S 银行中国区分行的第三方风险管理存在的问题及分析 ......................................... 20 本章小结 ..............................................................................................................................21 第三章 S 银行中国区分行第三方风险识别.........................................................................22 3.1 利用核对表法来进行风险识别 .................................................................................... 22IV 3.2 利用德尔菲法对风险进行识别 .................................................................................... 23 3.2.1 关于德尔菲法运用的基本介绍.............................................................................. 23 3.2.2 风险识别准备阶段.................................................................................................. 24 3.2.3 风险识别过程......................................................................................................... 26 本章小结 ..............................................................................................................................30 第四章 S 银行中国区分行第三方风险量化和评价..............................................................31 4.1 通过层次分析法来进行风险量化 ................................................................................ 31 4.1.1 运用层次分析法的注意事项.................................................................................. 31 4.1.2 S 银行中国区分行的第三方风险的权重分析....................................................... 34 4.2 S 银行中国分行的第三方风险评价 ............................................................................. 37 本章小结 ..............................................................................................................................38 第五章 S 银行中国分行第三方风险管理的优化建议..........................................................39 5.1 防范信息安全风险的优化建议 .................................................................................... 39 5.2 防范监管核准风险的优化建议 .................................................................................... 41 5.3 防范财务风险的优化建议 ............................................................................................ 42 5.4 防范其他类别风险的优化建议.................................................................................... 44 本章小结 ..............................................................................................................................45 第六章 S 银行第三方合作的管理启示.................................................................................47 6.1 做好第三方合作的决策................................................................................................ 47 6.2 做好合作第三方关系管理............................................................................................ 48 本章小结 ..............................................................................................................................48 结 论........................................................................................................................................49 主要