發(fā)布時(shí)間：2018-01-16 17:22

  本文關(guān)鍵詞：民生銀行濟(jì)南分行財(cái)務(wù)風(fēng)險(xiǎn)評價(jià)及管理研究　出處：《湖北工業(yè)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 風(fēng)險(xiǎn)管理 風(fēng)險(xiǎn)評價(jià) 民生銀行濟(jì)南分行 應(yīng)對策略

【摘要】：伴隨金融國際化的不斷發(fā)展,資本外流成為一種趨勢,在此基礎(chǔ)上,金融投資的風(fēng)險(xiǎn)性也在持續(xù)增加。為了加強(qiáng)對資本風(fēng)險(xiǎn)的管控,越來越多的專家學(xué)者加入了金融財(cái)務(wù)風(fēng)險(xiǎn)的研究行列。國內(nèi)涉及財(cái)務(wù)風(fēng)險(xiǎn)的研究還處于起步階段,沒有形成比較完善的理論,也沒有出現(xiàn)科學(xué)化的檢測和管控模式。在目前的銀行財(cái)務(wù)風(fēng)險(xiǎn)管理實(shí)踐中,銀行財(cái)務(wù)風(fēng)險(xiǎn)存在著風(fēng)險(xiǎn)管理體系分散、人為因素比重較高、風(fēng)險(xiǎn)管理模型適用性不足、分散風(fēng)險(xiǎn)能力不足、電子化水平較低等諸多不利因素,這些因素的存在直接影響到了商業(yè)銀行的戰(zhàn)略轉(zhuǎn)型、市場化改革、經(jīng)營管理效能提升和信息化建設(shè),需要引起研究者的關(guān)注與重視。在商業(yè)銀行的財(cái)務(wù)風(fēng)險(xiǎn)管理過程中,財(cái)務(wù)風(fēng)險(xiǎn)是貫穿始終的,其對于銀行穩(wěn)定與發(fā)展具有重要的意義。在本文的研究過程中,商業(yè)銀行的資本風(fēng)險(xiǎn)、資產(chǎn)質(zhì)量風(fēng)險(xiǎn)、流動性風(fēng)險(xiǎn)、盈利風(fēng)險(xiǎn)等是常見的財(cái)務(wù)風(fēng)險(xiǎn)形態(tài),需要引起關(guān)注與重視。本文進(jìn)行研究分析時(shí),運(yùn)用了參考文獻(xiàn)的方法、模糊綜合評價(jià)法、引用實(shí)際案例分析等方法。第一,通過借鑒文獻(xiàn)研究,總結(jié)了商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)的相關(guān)概念,對商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)的基本類型展開研究分析。第二,通過分析影響財(cái)務(wù)風(fēng)險(xiǎn)的各項(xiàng)指標(biāo)因素,建立商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)的指標(biāo)集合,構(gòu)建模糊綜合評價(jià)模型,以民生銀行濟(jì)南分行作為研究事例,對其財(cái)務(wù)風(fēng)險(xiǎn)進(jìn)行評價(jià)并得出結(jié)論,民生銀行濟(jì)南分行存在的重要風(fēng)險(xiǎn)為資產(chǎn)質(zhì)量風(fēng)險(xiǎn)。最后,根據(jù)民生銀行濟(jì)南分行的經(jīng)營情況,提出后期整合風(fēng)險(xiǎn)控制對策的建議,商業(yè)銀行資本結(jié)構(gòu)的優(yōu)化與資本質(zhì)量提升,建立合理有效的風(fēng)險(xiǎn)管理機(jī)制,加強(qiáng)員工培訓(xùn)、企業(yè)文化構(gòu)建等,以推動民生銀行的健康發(fā)展本文通過有效的研究分析,期望對國內(nèi)商業(yè)銀行開展財(cái)務(wù)風(fēng)險(xiǎn)管控工作提供幫助。
[Abstract]:With the continuous development of financial internationalization, capital outflow has become a trend, on this basis, the risk of financial investment is also increasing. In order to strengthen the control of capital risk. More and more experts and scholars have joined the research ranks of financial risk. The domestic research on financial risk is still in its infancy and has not formed a relatively perfect theory. There is no scientific detection and control model. In the current banking financial risk management practice, the bank financial risk management system is scattered, the proportion of human factors is high. The applicability of risk management model is insufficient, the ability to disperse risk is insufficient, the level of electronization is low, and so on. The existence of these factors has directly affected the strategic transformation and market-oriented reform of commercial banks. In the process of financial risk management of commercial banks, financial risk runs through the whole process. In the research process of this paper, the capital risk, asset quality risk, liquidity risk, profit risk and so on of commercial banks are common financial risks. Need to attract attention and attention. This paper uses the method of reference, fuzzy comprehensive evaluation, citing the actual case analysis and other methods. First, through the use of literature research. Summarized the relevant concepts of financial risk of commercial banks, the basic types of financial risks of commercial banks to carry out research and analysis. Second, through the analysis of the impact of the financial risk of the various index factors. Set up the index set of financial risk of commercial bank, construct fuzzy comprehensive evaluation model, take Jinan Branch of Minsheng Bank as an example, evaluate its financial risk and draw a conclusion. The important risk of Minsheng Bank Jinan Branch is the risk of asset quality. Finally, according to the operating situation of Jinan Branch of Minsheng Bank, the paper puts forward the suggestion of risk control in the later period. The commercial bank capital structure optimization and the capital quality enhancement, establishes the reasonable and effective risk management mechanism, strengthens the staff training, the enterprise culture construction and so on. In order to promote the healthy development of Minsheng Bank this paper through effective research and analysis expects to help domestic commercial banks to carry out financial risk management.
【學(xué)位授予單位】：湖北工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33;F830.42

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