商业银行信贷操作风险制度流程.docx

Document serial number【NL89WT-NY98YT-NC8CB-NNUUT-NUT108】 Document serial number【NL89WT-NY98YT-NC8CB-NNUUT-NUT108】 商业银行信贷操作风险制度流程 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流程 指导老师： 刘萍 作 者： 联系电话： 成稿时间： 摘 要 本文主要运用理论与实际相结合的方法,分析商业银行的操作风险,并且集中分析信贷操作风险。一方面,商业银行信贷操作风险形成的原因比较复杂,涉及管理架构合理性、制度是否缺失、内部流程执行力、系统缺陷、人员问题、外部事件等多方面因素,需要研究并找出防范的方法。另一方面,商业银行信贷操作风险有其独特性,但又与包括信用风险、市场风险、流动性风险等在内的其他风险有着千丝万缕的关系,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,不但会造成利益的损失,而且会对银行制度、流程造成冲击,波及银行的声誉和形象,连带引发其他风险。因此,本文从实际出发,结合商业银行在信贷操作风险中的共性问题、常见问题,对其防范对策加以分析与研究。由于信贷操作风险管理是一个庞大的系统工程，涉及内容体系较为复杂，因此本文着重从制度和流程角度入手找出防范信贷操作风险的对策。 关键词：商业银行，信贷操作风险，制度，流程 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 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 banks system and procedure as well as banks 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 circums