【正文】 基于業(yè)務(wù)流程視角的商業(yè)銀行操作風(fēng)險管理研究 ——以廣發(fā)銀行南京分行為例 華中科技大學(xué) 碩士學(xué)位論文 基于業(yè)務(wù)流程視角的商業(yè)銀行操作風(fēng)險管理研究 以廣發(fā)銀行 南京分行為例 姓名 :葉劍波 申請學(xué)位級別 :碩士 專業(yè) :行政管理 指導(dǎo)教師 :王國華 20200105 華 中 科 技 大 學(xué) 碩 士 學(xué) 位 論 文 摘 要 目前操作風(fēng)險與市場風(fēng)險、信用風(fēng)險共同構(gòu)成商業(yè)銀行的三大風(fēng)險。隨著因操 作風(fēng)險引致的重大損失事件頻繁發(fā)生 ,使得操作風(fēng)險日益受到國內(nèi)外金融機(jī)構(gòu)的警 惕。尤其近年來 ,一系列由于操作風(fēng)險所導(dǎo)致的銀行案件震驚了我國金融界 ,這也 警示了我國商業(yè)銀行加強(qiáng)操作風(fēng)險管理的緊迫性和重要性。我國商業(yè)銀行普遍存在 對操作風(fēng)險的防范意識不強(qiáng)、內(nèi)部控制落后經(jīng)營實踐、操作風(fēng)險管理體系不健全、 員工素質(zhì)不適應(yīng)操作風(fēng)險管理需要等問題。尤其隨著信息技術(shù)的飛速發(fā)展 ,我國商 業(yè)銀行經(jīng)營規(guī)模進(jìn)一步擴(kuò)大 ,產(chǎn)品多樣化、業(yè)務(wù)復(fù)雜化 ,但在經(jīng)營模式、公司治理 及操作風(fēng)險的控制方面存在諸多不完善的方面 ,勢必加速操作風(fēng)險的日趨擴(kuò)大 ,并 呈現(xiàn)出更加復(fù)雜的表現(xiàn)形式。 在我國商業(yè)銀行操作風(fēng)險管理中 ,基于流程的管理是操作風(fēng)險管理的一個重要 方面。操作風(fēng)險大多產(chǎn)生于具體的銀行業(yè)務(wù)流程之中 ,若能恰當(dāng)對流程加以控制 , 勢必會減少操作風(fēng)險發(fā)生的頻率 ,減少銀行風(fēng)險資本的投入。而當(dāng)今商業(yè)銀行的實 際管理中 ,銀行操作風(fēng)險案件屢屢發(fā)生 ,其主要原因在于流程控制的力度不強(qiáng)。與 國際商業(yè)銀行的管理相比 ,我國對商業(yè)銀行操作風(fēng)險的管理尚處于初步階段 ,尤其 是在流程管理方面 ,如何設(shè)計一個完善的控制流程 ,有效防范操作風(fēng)險 ,規(guī)范操作 行為 ,建立一套完整的操作管理體系是本文研究的主題。 本文基于國有商業(yè)銀行操作風(fēng)險的流程管理 ,在概述操 作風(fēng)險相關(guān)理論的基礎(chǔ) 上 ,采用理論和實踐相結(jié)合的寫作方法 ,結(jié)合廣東發(fā)展銀行南京分行的實踐 ,將業(yè) 務(wù)流程理論引入銀行操作風(fēng)險的研究領(lǐng)域 ,從業(yè)務(wù)流程的視角來分析商業(yè)銀行操作 風(fēng)險的現(xiàn)狀、類型、特點和成因 ,并對操作風(fēng)險的識別、度量、監(jiān)測、控制四個流 程進(jìn)行了系統(tǒng)的分析 ,構(gòu)建和完善有效的商業(yè)銀行操作風(fēng)險管理框架 ,以強(qiáng)化商業(yè) 銀行操作風(fēng)險管理 ,實現(xiàn)商業(yè)銀行的良性運轉(zhuǎn)。希望以此對廣發(fā)銀行南京分行和我 國商業(yè)銀行的操作風(fēng)險管理能起到一定的借鑒作用。 關(guān)鍵詞 :商業(yè)銀行 業(yè)務(wù)流程 操作風(fēng)險 風(fēng)險管理 I 華 中 科 技 大 學(xué) 碩 士 學(xué) 位 論 文 Abstract Currently operating risk and market risk, credit risk are the three biggest risk in mercial bank. Domestic and foreign financial anizations for operating risks caused heavy loss of operating risk events frequently, and bees the main risk of mercial bank. Especially in recent years, a number of cases caused by operation risk which had chocked our country, it also alerts financial business bank of our country to strengthen the urgency of the operation risk management and importance. Commercial bank in our country widespread of operational risk awareness, backward management practice, the internal control of operation risk management system is not perfect, the Staff quality can39。t meet the requirmentst of needs of the operating risk along with the rapid development of information technology, the stateowned mercial Banks with business scope expanded rapidly, provide more widely, product plexity in business and business operation in the new business model, in corporate governance, the operating risk control many imperfect, the operating risk exposure and the increasing performance is more plicatedIn our stateowned mercial Banks, operating risk management based on management process is an important aspect,Process management is important, Because operation risk often exists in specific business process, process control will greatly reduce the frequency of operating risk, reducing the exposure of operation risk and savings venture capital for mercial bankBut in today39。s actual management of mercial Banks,there are so many cases on operating risks of mercial bank, the main reason is the weak power in risk control. Compared with the international mercial bank management, the operating risk management in china is still on the initial stage, especially in the process management, how to design a perfect control procedures, operating risks better recognition and measurement, effectively mitigate the risk of operating, standardized operation, to establish a plete set of operation management system is the theme of this studyBased on the process management of operating risks in stateowned mercial Banks , The article uses the writing method which the theory and the practice unifies,II 華 中 科 技 大 學(xué) 碩 士 學(xué) 位 論 文 bined with the practice of Nanjing branch Of Guangdong Development Bank, business process theory into bank operating risks from the research field, business process analysis from the perspective of the mercial bank of operation risk status, types, characteristics and causes, and of operational risk recognition, measurement and monitoring and control system of the four processes, construct and perfect the effective operation of mercial Banks, to strengthen the framework of risk