我国商业银行个人理财业务操作风险防范与对策.docVIP

哈尔滨理工大学学士学位论文 PAGE PAGE IV 我国商业银行个人理财业务操作风险防范及对策 摘要 随着全球金融行业的不断发展，金融全球化程度持续增强，我国商业银行金融创新热情高涨，同时我国经济持续平稳发展，居民收入不断增加，为消费者提供个性化金融服务的个人理财业务成为当前商业银行金融业务发展的重点。由于金融管理制度上的缺陷，金融市场发达程度和金融法律上的不完善等方面因素的约束，我国商业银行个人理财业务面临着许多风险，而操作风险是商业银行理财业务风险管理的重点。近些年来的重大金融案件为银行造成了巨额损失，影响了社会和谐。而在个人理财的操作风险的防范和控制中，内部控制的作用举足轻重。 论文主要采用理论联系实际的方法，充分利用国内外相关文献获取相关方面最新的理论，运用比较分析法分析了国内外商业银行个人理财业务操作风险管理的不同和差距，并结合我国实际，运用归纳总结法提出我国商业银行在内部控制视角下个人理财业务操作风险的防范和应采取的对策。 关键词 商业银行；内部控制；个人理财；操作风险；对策 Abstract With the promotion of the global financial industry,the degree of financial globalization has continued to improve,China’s commercial banking has great enthusiasm in financial innovation.At the same time,China’s economic development is sustained and stable,the increase of China’s income per person,the current commercial banks’ financial business development focus is to provide consumers with personalized financial services personal financal business.Due to the restrictions such as the financial management system,development of financial market and the legal system of the finance,etc,the development of personal financal business will meet a lot of risks,the operational risk is commerical bank financing business risk management of the key.In recent years,major financial cases resulted in huge losses for banks and affect social harmony.Internal control plays an important role in the prevention and control of personal financial management of operational risk. Therefore, This paper mainly uses the method of linking theory with practice,make full use of the related documents for relevant aspects of the latest theory,the use of the comparative analysis of the differences and gaps of the personal financal business operational risk management of domestic and foreign commercial banks, and with the reality of our country, summarizes the method using the proposed in commercial Banks internal control, from the perspective of the personal financial management business operation risk prevention and some c