齐鲁银行骗贷案.docxVIP

分类号—————————————————————————————————密级 UDC齐鲁银行金融诈骗案研究 学生姓名 李扬 学号21142633015 指导教师 魏晓琴 院、系、中心 经济学院 专业年级 2014级金融 上交日期 2015 年 05 月 03 日 中 国 海 洋 大 学齐鲁银行金融诈骗案研究摘 要本文以山东省第一家城市商业银行——齐鲁银行的金融诈骗案件为研究对象，首先对整个事件过程进行详细介绍，然后，对导致齐鲁银行此次事件发生的原因进行深入分析，主要分为外部因素和齐鲁银行自身存在问题两部分，外部存在问题主要有我国商业银行竞争趋于同质化以及商业银行外部监管方面存在的问题，齐鲁银行自身存在的问题主要有齐鲁银行没有明确自身的定位，盲目扩张，另外，其自身的内部治理结构存在严重缺陷，操作风险管理方面也有待进一步完善。最后，根据所分析的外部和内部存在的主要问题，提出相应的解决措施和改进建议。 我国的城市商业银行在我国的商业银行体系中居于重要地位，近年来的发展速度也明显快于国内其他的商业银行。城市商业银行作为当地的经济的“招牌工程”，是当地经济发展的重要推动力，对推动我国国民经济发展也做出了重要贡献。本文通过对齐鲁银行此次金融诈骗事件进行深入分析，旨在对国内其他商业银行的经营发展中起到一定的借鉴作用，以降低我国商业银行金融事故发生率，推动我国商业银行业进一步发展。 关键词：齐鲁银行 金融诈骗 金融监管 风险管理 The Case Analysis of Financial Fraud about Qilu BankAbstractThe first city commercial bank in Shandong Province is Qilu bank. This paper studied the Qilu bank financial fraud case. First of all, this paper introduced the financial fraud case in detail. Second, this paper studied the Qilu bank event deeply. The problems mainly divided into the external factors and the internal factors. External problems aremainly in the whole commercial bank fierce competition and the external supervision of commercial bank. Qilu bank owned problems mainly exist in that Qilu bank did not clarify its position, blind expansion. In addition, its owninternalgovernance structure has serious flaw, operational risk management also needed to be further improved. Finally, based on the analysis of external and internal problems, put forward the corresponding measures and suggestions for improvement. In recent years, the city commercial bank in China commercial bank system occupies an important position. The development speed of city commercial bank is much faster than other domestic commercial banks. City Commercial Bank as the local economy “Sign Engineering” gives an important impetus to the development of local economy and the economy of o