a银行离岸金融业务操作风险控制分析 word格式.docxVIP

A 银行离岸金融业务操作风险控制研究摘要离岸金融是全球经济及金融一体化、自由化的产物。离岸金融市场的迅猛 扩张以及离岸金融业务的快速发展，极大地促进了国际性银行的迅猛发展，而且 也促进了国际融资、国际信贷的不断增长。然而，离岸金融的迅速发展也增大了 金融市场的风险，由于我国离岸金融市场的起步比较晚，离岸金融市场还不规范， 在监管不严的情况下，很可能引发非法逃汇、便利公司欺诈等，反而为便利腐败 分子破坏金融市场秩序、侵吞公众财产提供了途径，有时甚至推动资本外逃进一 步膨胀、引起信用风险等。离岸金融具有三大主要风险：信用风险、市场风险和 操作风险。其中三大主要风险中金融机构较早地注意到信用和市场风险，所以对 两类风险的控制体系以及技术要求都有了丰富的实践和理论，并采取切实有效的 严格监管。但是由于操作风险内在本质复杂性以及隐蔽性，操作风险难以被金融 机构发现，所以国内外对操作风险的研究既少且晚。离岸业务经营的集中性、客 户所在地域的分散性、道德风险、离岸业务新产品层出不穷等因素，极易引发离 岸金融业务的操作风险，进而引起银行系统风险，甚至引起我国外债规模失控、 国际收支失衡等，因此研究离岸金融业务操作风险控制具有理论意义和应用价 值。本文首先从理论上介绍了离岸金融概述及离岸金融在我国的发展情况，在此 基础上，详细讲述了离岸金融业务操作风险的定义、产生原因及影响。接下来以 A 银行为例，介绍了 A 银行的离岸金融风险控制体系，从 A 银行离岸操作风险控 制实际情况分析出 A 银行存在操作风险文化理念落后、风险管理机制不健全、操 作风险措施执行不力等问题，进而提出培育风险管理文化、规范监管、健全内控 制度、防范新操作风险的建议。关键词：A 银行； 离岸金融业务；操作风险；控制The study of offshore financial operational riskcontrol of A bank AbstractOffshore finance is a product of global financial integration and liberalization . The rapid expansion of the development of offshore financial services and offshore financial markets, promote the rapid development of international banks and international finance, international credit growth. However, the offshore financial sector contains a large risk, If its development lack effective management of the offshore financial market and China started relatively late, which prone to offshore bank asset credit risk, and shift the financial risks of illegal foreign exchange evasion and facilitate corporate fraud and various risk, but for the corrupt element way to embezzle state assets and public property, and sometimes promote capital flight further expansion. Offshore Financial has three main risks: credit risk, market risk and operational risk. Financial institutions in the three major risk ,credit and market risk, have a wealth of practical and theory through two types of risk control system as well as the technical requirements and take effective strict supervision. But due to operational risks inherent nature complex and hidden operational risk difficult financ