城市商业银行操作风险研究——以济宁银行为例金融学专业论文.docxVIP

摘要 操作风险指的是由于某些有问题或不完善的人员、内部程序以及系统或外部事件 所造成损失的风险。近年来，国内外许多银行因操作风险管理不当而导致损失金额巨 大、发案率高，诸多商业银行操作风险案例需要进一步研究和整理，以便更好的防范 操作风险的发生。笔者曾在济宁银行进行了相关的调研，收集、整理了一些操作风险 管理方面的典型案例，希冀通过对济宁银行操作风险案例的分析，引发对操作风险管 理方面的思考，通过提出相应的对策，以便提升济宁银行操作风险管理实务能力。 本篇论文着重于操作风险案例的研究，论文大体包括四部分内容。第一部分是银 行操作风险概述，主要阐述了操作风险的含义、主要特点和影响因素；第二部分是济 宁银行操作风险概述，主要描述了济宁银行发展现状和济宁银行操作风险防范现状； 第三部分是济宁银行操作风险防范面临的问题及案例实证分析，结合济宁银行的实 际，描述了济宁银行操作风险防范面临的主要问题及产生原因，并选取了济宁银行的 操作风险相关案例进行了实证分析；第四部分主要是构建济宁银行操作风险管理框架 的构想及防范操作风险的对策分析，通过研究分析国内股份制商业银行先进的操作风 险管理框架，尝试为济宁银行操作风险管理框架提出一些构想，同时为济宁银行操作 风险管理提出一些对策和建议。 总之，本文综合运用了风险管理的基本原理和方法，对济宁银行操作风险案例进 行了深入研究，对于济宁银行的操作风险管理具有一定的理论价值和实践意义。 关键词：操作风险 济宁银行 案例研究 Abstract Operational risk is the risk of loss which is caused by some problems ,imperfect persons, internal procedures, or external events. In recent years, many domestic and foreign banks led to a huge amount of loss and high incidence due to improper management of operational risk. In order to prevent the occurrence of operational risk effectively, many operational risk cases in commercial banks need to be further researched and organized. I have researched, collected and collated some typical cases of operational risk management in Jining Bank. I hope that the analysis of operational risk cases of the Jining bank can lead to the thinking of the operational risk management, and put forward the corresponding countermeasures, in order to enhance the practices ability of Jining bank operational risk management. This thesis focuses on the case of operational risk; the paper includes four parts. The first part is the bank operational risk overview, mainly expound the meaning of the operational risk, the main characteristics and influencing factors; the second part is the description of Jining bank operational risk overview, it mainly introduces the development status and operational risk status in Jining bank; the third part is the operational risk prevention and empirical analysis of the case about Jining banks . According to the main problems