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On The Operation Risk Management Of The Small Andmedium Commercial Banks In China

Posted on:2015-03-19Degree:MasterType:Thesis
Country:ChinaCandidate:E Y ZhuFull Text:PDF
GTID:2349330479951464Subject:Accounting
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Finance is the hub of the modern economy, commercial banks are the financial core. It plays an irreplaceable important role of financing and guiding the resource flow and regulating social supply-demand balance, and many others. Small and medium-sized commercial banks, with the characteristics of flexible mechanism, short decision making chain, fast decision-making management, have dislocation competition with large commercial banks. At the same time, they find their survival and development space, which play an irreplaceable role in promoting the economic and financial development.Risk management is the eternal theme of banks, especially small and medium-sized commercial banks. As China's banking industry comprehensive opening to the outside world, the market competition among the industry are more and more intense, accompanied by increasing all kinds of risk. Operational risk is one of the most common, but not easy to control. Because the small and medium-sized commercial banks and large commercial banks are different in the aspects of scale, system, personnel and management mode, the small and medium-sized commercial banks have their particularity in the causes of operational risk and control. Operation risk's manifestation, causes, harm degree, measuring tools, means of control are very special.This paper is based on the basic procedure of "risk identification, risk assessment, risk measurement, risk response". This paper consists of seven parts:Part one: first, this paper introduces the operational risk management research background and significance; second, researches the status at home and abroad, and then is reviewed; third, describes the research contents, methods and ideas.Part two: first, define the basic concepts of small and medium-sized banks, small and medium-sized banks operational risk and operational risk management;. second, discuss three basic theories which are the system theory, the process management theory and the internal control theory, respectively.Part three: introduce the exposure and the cause of the small and medium-sized commercial banks in China.Part four: based on the third part, this part applies the G1 method to evaluate the dangers of the operation in small and medium commercial banks risk factors. First, introduces the principle of G1 method evaluation theory; second, evaluation factor analysis(establish small and medium banks operational risk evaluation index system); third, the evaluation process and results.Part five: first, introduces the evolution and selection method of operational risk measurement of commercial banks; second, reviews the basic indicator approach risk measurement method in the practical application; third, discusses the income model of operational risk measurement method in the practical application; four, further introduces the key problems to solve in operational risk measurement methods.Part six: first, introduce the operational risks advance prevention methods; second risk control tools in risk operation; third afterwards defuse the art of operational risk.Part seven: the summary and outlook of the whole paper. The risk management of China's small and medium-sized banks is a new subject, this paper is only a preliminary study on this issue. With the continuous development and changes of the society's development and progress and commercial banks, the new problems will emerge in an endless stream, this problem will be investigated in the future.
Keywords/Search Tags:Small and medium-sized commercial banks, operation risk, risk management(risk exposure,risk assessment,risk measurement,risk Response,risk prevention,risk control,risk mitigation)
PDF Full Text Request
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