我国商业银行个人理财业务操作风险防范及对策.docxVIP

哈尔滨理工大学学士学位论文 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 哈尔滨理工大学学士学位论文 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 I 哈尔滨理工大学学士学位论文 proposed?in?commercial?Banks?internal?control,?from?the?perspective?of?the personal?financial?management?business?operation?risk?prevention?and?som