商业银行信贷操作风险新规制度作业流程.doc

内蒙古高等教育自学考试 本科毕业论文 报考专业： 论文题目：商业银行信贷操作风险制度步骤 指导老师： 刘萍 作 者： 联络电话： 成稿时间： 摘 要 本文关键利用理论和实际相结合方法,分析商业银行操作风险,而且集中分析信贷操作风险。首先,商业银行信贷操作风险形成原因比较复杂,包含管理架构合理性、制度是否缺失、内部步骤实施力、系统缺点、人员问题、外部事件等多方面原因,需要研究并找出防范方法。其次,商业银行信贷操作风险有其独特征,但又和包含信用风险、市场风险、流动性风险等在内其它风险有着千丝万缕关系,对全风险管理意义重大。再者,商业银行信贷操作风险危害程度大,不仅会造成利益损失,而且会对银行制度、步骤造成冲击,波及银行声誉和形象,连带引发其它风险。所以,本文从实际出发,结合商业银行在信贷操作风险中共性问题、常见问题,对其防范对策加以分析和研究。因为信贷操作风险管理是一个庞大系统工程，包含内容体系较为复杂，所以本文着重从制度和步骤角度入手找出防范信贷操作风险对策。 关键词：商业银行，信贷操作风险，制度，步骤 Abstract This paper adopts the method of combination of theory and practice to do the research on the operating risk in commercial banks especially on credit operating risk.On one hand, the formation of credit operating risk in commercial banks is relatively complicated: it may relate to rationality of management structure, the completeness of the system, the internal executive ability, system limitation, personnel problems, and external factors; we need to do some study and find out the prevention measures. On the other hand, the commercial bank credit operating risk has its own uniqueness and .connects more or less to other risks such as credit risk, market risk and liquidity risk, which is significant for the full risk management. Moreover, the credit operating risk is very dangerous for commercial banks. The risk does harm to not only business profit, but also bank's system and procedure as well as bank's prestige and image and will finally cause some other kinds of risks. Therefore, combining with the common problems of credit operating risk happened in commercial banks, this paper starts with actual banking circumstance and analyzes its prevention measures.Since the credit operating risk management is a huge and systemaic project and involves a lot of other business areas,this paper tries to find o