我国商业银行操作风险防范.docVIP

我国商业银行操作风险防范 编号： 毕业论文 课 题 ： 我国商业银行操作风险防范 院（系） ： 商学院 专 业 ： 工商管理 学生姓名 ： 黎宏威 学 号 ： 030108202748 指导老师单位： 桂林电子科技大学商学院 姓 名： 谢海娟 职 称： 副教授 2011年11月2日 桂林电子科技大学毕业论文 摘 要 近年来，国际金融界操作风险、信用风险等非传统风险的发生概率越来越高，在全球范围内给许多金融机构造成了严重的经济损失，困扰着各国金融监管机构和商业银行管理层。尤其是最近由美国的“次贷危机”，欧洲的“债务危机”引发的金融危机，现已席卷全球,国内外宏观经济形势发生巨大变化。在当前形势下，我国商业银行迫切需要对操作风险进行深入研究和管理，以保证银行业务的稳定健康发展。《巴塞尔新资本协议》的颁布中提出了研究商业银行操作风险的要求，探索降低操作风险的有效途径。 关键词：商业银行；巴塞尔新资本协议；操作风险；风险防范 桂林电子科技大学毕业论文 Abstract In recent years,international finance operation risk, credit risk, the risk of non-traditional probability more and more high, in the global scope to many financial institutions caused serious economic loss,disturbing the world financial regulators and commercial bank management. Especially in the United States recently by “the subprime crisis, Europe’s” debt crisis” caused by the financial crisis, has been sweeping the globe, macro economic situation at home and abroad and the great changes. In the current situation, our country commercial bank urgent need of operation risk further research and management, to ensure the stability of the banking business healthy development. The new Basel capital accord promulgation of the proposed research in commercial Banks operating risk requirements, to explore the effective ways to reduce the operating risk. Based on the analysis of the commercial bank operation risk specific forms and the causes of the basis, combining with the new Basel capital accord, form our country commercial bank of the actual conditions, learn from foreign advanced experience, puts forward some measures to prevent and control commercial bank operation risk specific measures, to reduce the operating risk of commercial bank has carried on the beneficial discussion. Key words: Commercial Bank; The New Basel Capital Accord; general operational risk; prevention of risks 桂林电子科技大学毕业论文