导　　师： 赵守国

学科专业： 1251

授予学位： 硕士

作　　者： ;

机构地区： 西北大学

摘　　要： 近年来,柜面操作风险已成为商业银行发展的瓶颈问题,不仅给银行带来了巨大损失,也给银行声誉带来了巨大的负面影响,由此已经引起了全球银行业及其监管阶层的警惕。目前,巴塞尔银行监管委员会已经把操作风险确定为银行业之继市场风险与信用风险两种风险后的第三大风险,已经在新资本协议中将其归纳到资本监管领域内,但由于起步较晚,对于操作风险的有关理论研究较于前者明显滞后,而且关于柜面操作风险的管理也是现阶段银行风险管理中相对薄弱的环节。所以说,对银行柜面操作风险管理进行实践与理论研究有着重要的学术价值及现实意义。 本文以XX银行安阳分行为案例研究对象,通过对柜面操作风险管理实践的总结和相关操作风险理论的探索,分析其目前所面临的柜面操作风险问题,研究设计出XX银行安阳分行柜面操作风险管理方案,以期能提升该银行的抗风险能力,力图使该银行的综合竞争力更上一层楼。在论文中,详细分析了XX银行安阳分行的相关现状,指出了该银行在柜面操作风险管理上的不足之处,针对性的设计了一些优化建议：完善内部控制体系、规范业务操作流程、提高行业文化建设、升级操作系统性能等。 In recent years, incase operational risk has led to huge losses in commercial banks and brought a tremendous negative impact on the reputation of the banks, which is being paid more and more attention by the world banking industry and supervisory authorities. Currently, Basel Committee on Banking Supervision /(BCBS/) ranks operational risk the third going after credit risk and market risk in New Capital Accord, and operational risk areas included in regulatory capital, But the theoretical study on operational risk is lagged far behind the former two risks, and operational risk is the weakest field among the three big risks. Therefore, the banks operational risk management research has practical and theoretical meaning. In this paper, facing the existing incase operational risk issues of the commercial banks, through the practices of the operational risk management and the exploration of the relative theory, research and design a management solution to the incase operational risk in Anyang Branch of XX Bank. Ultimately improve the bank's anti-risk capability and competitiveness. This paper takes Anyang Branch of XX Bank as a example, introduces its basic situation, and sum up its shortcomings of the management on the operational risk, then give the corresponding response to recommendations:improve the internal control system, optimize business processes, strengthening cultural construction, improve system performance.

关 键 词： 商业银行 柜面操作风险 管理方案 巴塞尔新资本协议 操作风险管理体系

分 类 号： [F832.33]

领　　域： [经济管理]