民生银行风险管理问题研究.doc

民生银行风险管理存在的问题及对策 内容提要 作为我国首家主要由非公有制企业入股的全国性股份制商业银行成立15年来，业务不断地拓展，规模不断地扩大，效益逐年递增，并保持了良好的资产质Abstract As our first major shareholder by non-public enterprises of the national shareholding commercial bank, minsheng bank established in the past 15 years, the business expand, the scale unceasingly expands, benefit continuously has been increasing, and maintain a good asset quality. However, not least, the financial crisis to minsheng bank risk management was a wake-up call, minsheng bank fragile risk management system must be improved. This thesis analyzes the minsheng bank risk management present situation and the existence question, think minsheng bank risk management mainly exist risk management knowledge and the idea the gap, lack of unified risk management concept, risk management organization structure is unsound, risk management processes will not meet the demand of the new situation, risk management technology is relatively backward, the overall risk management system has not yet set, etc., and therefore, the author put forward from the overall Angle improvement Suggestions, including implement relevant risk management culture, implement comprehensive risk management, update risk management tools, build the entire risk monitoring system, perfect risk management information system, sound risk management team construction, so as to promote minsheng bank risk management system consummation help. Keywords: MinSheng Bank; Risk Management; Question; Countermeasures 目 录 内容提要 1 Abstract 2 1 绪论 4 1.1 研究背景及意义 4 1.2 文献综述 4 1.2.1 国外文献综述 4 1.2.2 国内文献综述 6 1.3 概念界定 7 1.3.1 商业银行风险的定义和分类 7 1.3.2 商业银行风险管理的定义和性质 8 2 民生银行风险管理现状及存在的问题分析 9 2.1 民生银行风险管理现状分析 9 2.1.1 信用风险管理现状 9 2.1.2 市场风险管理现状 10 2.1.3 流动性风险管理现状 10 2.2 民生银行风险管理存在的问题分析 11 2.2.1 在风险管理认识和理念上的差距 11 2.2.2 缺乏统一的风险管理理念 11 2.2.3 风险管理组织结构尚不健全 12 2.2.4 风险管理流程不适应新形势的要求 12 2.2.5 风险管理技术的相对落后 12 2.2.6 全面风险管理体系尚未真正建立 13 3 加强民生银行风险管理的对策 13 3.1 推行全行风险管理文化，实施全面风险管理 13 3.2 更新风险管理工具 13 3.3 建立全方位的风险监控系统 14 3.4 完善风险管理信息系统 15 3.5 健全风险管理的