I 摘要 在经济全球化和金融体制巨大变革的时代背景下，我国已经进入到了经济新常态的 发展时期，也正处于从发展中国家迈入发达国家行列的关键时期。但是当前我国商业银 行的经营现状不容乐观，由于不良贷款的持续上升使得其利润的空间不断的被压缩，再 加之互联网金融时代的到来给传统金融机构带来了巨大的冲击。从目前的世界经济形势 来看，由于新巴塞尔协议的出台使得银行对于建立风险评估机制、加强监管力度的要求 更为迫切。另外，利率市场化、金融脱媒、第三方支付等新的金融形势的出现加强了银 行之间竞争的白热化程度。而商业银行作为重要的金融中介组织，其运营成果的好坏直 接对国民经济的正常运行影响重大，因而如何对其风险进行评价和控制已经成为其经营 成功与否的关键点。 本文以工商银行渭南分行业务运营操作风险为主要研究内容，通过对国内外业务运 营操作风险的研究总结，采用问卷调查法对渭南分行业务运营操作风险管理现状进行了 调查，并对调查数据进行分析，依据内部情况和调查数据分析，明确运营操作风险管理 部门，针对渭南分行经营管理中的实际情况系统分析，寻找现在经营管理体系中的漏洞， 并通过有效的手段加以整改，以求达到能够提升经营绩效的目的。研究中给出了针对具 体缺陷的应对措施。最后对渭南分行业务运营操作风险管理分析进行了总结，并提出了 业务运营操作风险未来研究的重点和方向。 本文在研究方法上采用数理统计方法，在研究内容上以中国工商银行渭南分行为 例，具有一定程度的创新，使得归纳总结的问题具有针对性，有助于提高业务运营操作 风险管理水平。最后，希望本文的讨论能够为相关理论研究和实践探索提供一定的参考 价值。 关键词：业务运营操作风险，工商银行，风险管理西北大学硕士学位论文 II Abstract Against the background of economic globalization and the tremendous changes in the financial system, China has entered a period of new normal economic development and is also in a critical period of transition from developing countries to developed countries. However, the current situation of China's commercial banks is not optimistic, because the continuous increase of non-performing loans has reduced the profit margin, coupled with the arrival of the Internet financial era, the traditional financial institutions have brought huge impact. Judging from the current world economic situation, the introduction of the New Basel Accord has made it more urgent for banks to establish risk assessment mechanisms and strengthen supervision. In addition, the emergence of new financial situations such as interest rate liberalization, financial degassing, and third-party payments have also strengthened the level of competition among banks. As an important financial intermediary organization, commercial banks have great influence on the normal operation of the national economy. How to evaluate and control the risks of commercial banks has become the key to their business success. This paper takes the business operation risk of ICBC Weinan Branch as the main research content. Through the research and summary of the operation risk of domestic and foreign business operations, the questionnaire survey method is used to investigate the current situation of operation risk management of Weinan Branch, and the survey data is analyzed. According to the internal situation and investigation data analysis, clarify the operational operation risk management department, analyze the actual situation in the operation and management of the Weinan Branch, find the loopholes in the current management system, and rectify through effective means to achieve the improvement. The purpose of operating performance. Responses to specific deficiencies are given in the study. Finally, the paper analyzes the business operation risk management analysis of Weinan Branch, and puts forward the focus and direction of future research on operational risk of business operations. This paper uses mathematical statistical methods to conduct research. The research content is taken by ICBC Weinan Branch as an example. It has certain innovation, which makes the induction and summary problems more targeted and helpful, and helps the research content. Improve the management level of business risks. Finally, I hope that the discussion in this paper can provide some reference value for relevant theoretical research and practical exploration.Abstract III K e y w o r d s : Business operational risk ,Industrial and Commercial Bank, risk Management西北大学硕士学位论文 IV 目 录 摘要...........................................................................................................................................I ABSTRACT...............................................................................................................................II 目 录........................................................................................................................................IV 第一章 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 研究内容 .......................................................................................................................... 2 1.3 研究思路和研究方法 ...................................................................................................... 2 1.4 本文的贡献 ...................................................................................................................... 3 第二章 相关理论综述.............................................................................................................. 4 2.1 业务运营操作风险理论概述 .......................................................................................... 4 2.1.1 业务运营操作风险概念............................................................................................ 4 2.1.2 业务运营操作风险类型与特征................................................................................ 4 2.2 业务运营操作风险管理理论概述 .................................................................................. 5 2.2.1 业务运营操作风险管理概念.................................................................................... 5 2.2.2 业务运营操作风险管理流程与方法........................................................................ 5 2.3 国内外研究现状 .............................................................................................................. 7 2.3.1 国外研究现状............................................................................................................ 7 2.3.2 国内研究现状............................................................................................................ 8 第三章 ICBC 渭南分行业务运营操作风险管理现状调查分析......................................... 10 3.1 调查目的 ........................................................................................................................ 10 3.2 调查问卷设计 ................................................................................................................ 10 3.2.1 问卷内容.................................................................................................................. 10 3.2.2 样本确定与问卷发放情况...................................................................................... 10 3.2.3 信效度分析...............................................................................................................11 3.3 调查数据分析 ................................................................................................................ 15目 录 V 3.3.1.调查对象基本情况分析 ..........................................................................................15 3.3.2 操作风险关注度调查分析 ......................................................................................16 3.3.3 操作风险管理方法、技术等调查分析 ......................................