摘要
摘要
随着国内经济发展和居民财富积累，资产管理业务持续快速发展， 2020年底，国
内资管行业规模已突破 122万亿。托管银行凭借账户管理、资金清算、投资监督等服
务，监督并服务信托、基金、证券等资管机构合规高效的投资运作资金，从而对投资
者负责，促进资管产品的合规运行和资管行业的健康发展。近年来，随着资管新规的
发布，要求资管产品去刚性兑付、去资金池运作，部分资管产品出现产品到期兑付不
达预期收益、产品本金亏损的情况，甚至发生部分投资者起诉围堵资管机构和托管银
行的事件。资管产品兑付困难引发的一系列事件敲响了行业警钟，同时，也对托管银
行提升托管业务风险管理能力提出了更高的要求。
Z银行股份有限公司（以下简称 Z银行）成立于 1987年，隶属央企 Z集团，开展托
管业务较早，在股份制银行资产托管业务领域具有一定影响力， Z银行资产托管业务需
顺势而为，大力发展托管业务的同时全面提升风险管理能力，从而保证业务的稳健发
展。
本文通过对Z银行托管业务风险管理现状的研究，利用理论研究、文献总结、问卷
调查、案例分析等方法，分析了Z银行资产托管业务风险管理现状，确定了风险管理组
织架构有缺陷，风险管理流程不明确，风险识别及评估不充分，风险防范措施有待丰
富,风险管理制度有待完善的问题，并通过分析风险管理意识有待提高、风险管理专业
人才缺乏，科技及数字化投入不足，风险管理考核激励欠缺等问题产生原因，提出风
险管理的目标和原则，及健全风险管理组织架构，强化风险识别、风险评估，丰富风
险防范措施，完善风险管理制度的优化策略方案，进一步提出企业文化、专业人才、
数据及系统、考核激励等方面的保障措施，推动Z银行托管业务风险管理水平提升。
本文的研究结果对Z银行托管业务当前风险管理优化提供了理论依据和决策依据，
较为完善的总结了风险管理优化策略方案的内容和落实保障举措，同时，为银行业托
管业务风险管理提供了方法支持和经验借鉴。
关键词：资产托管、风险识别和评估、风险防范、风险管理
研究类型：应用研究
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西北大学硕士学位论文
Abstract
Along with economic development and wealth expansion, China's asset management
business continues to develop rapidly. By the end of 2020, the scale has exceeded 122 trillion
yuan. With account management, fund settlement, investment supervision and other services,
custodian banks can realize the supervision of trust, fund, securities and other asset
management institutions, and promote the compliant and healthy operation of asset
management products and the development of the asset management industry. In recent yesrs,
with the promotion of new regulations on asset management to cash out of capital pools
investment, Some asset management products fail to meet the expectations of maturity
redemption and even loss its principal. These risk events put forward higher request to the
custodian Banks risk management ability.
Z bank co., LTD. (hereinafter referred to the "Z" bank) was founded in 1987, under state
Z group, Z bank has certain influence in the field of asset custody business of joint-stock
Banks,because of carrying out the custody business earlier. Z bank asset custody business
needs developing the custody business vigorously, Improving the risk management ability
comprehensively at the same time, so as to protect the stable development of the business.
Through researching the present situation of Z bank custody business risk management,
This article uses the summary of literature, theory researching, questionnaire survey, statistics
analysis, to analysis of the current situation of Z bank asset custody business risk management,
identified the problem such as the risk management organization structure is not sound, in
inadequate risk identification and assessment, the needing improve of risk prevention, and the
risk management system is not perfect. By analyzing the reasons for the problems: such as
The risk management awareness needs to be improved, the risk management process needs to
be clarified, the lacking of risk management professionals and the assessment and incentive is
insufficient in risk management, etc., Then putting forward the objectives and principles of
risk management and the optimization scheme: the organizational structure of risk
management is improved, the risk identification and evaluation is strengthened, the risk
prevention measures are enriched, the risk management system is improved. Furthermore
putting forward safeguard measures in culture, talent, science and technology, assessment and
other aspects to promote Z Bank's asset custody business risk management level significantly.
The research results of this paper provide a theoretical basis and decision basis for the
current risk management optimization of custodian business of Z Bank, Giving a relatively
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