财务视角下东莞MS银行业务风险控制研究

财务视角下东莞MS银行业务风险控制研究(论文8900字)
摘要  在生活中，大部分人都离不开银行，无论个人业务还是公司业务都需要用上，所以商业银行上的业务风险也会随之增加，像信贷业务、票据业务、理财业务、透支业务和担保业务等。在各行的冲击下，我国商业银行业务风险管理问题同时也逐渐地暴露出来，因而本文根据商业银行的实际发展情况，特别是东莞MS银行为例来研究商业银行业务风险管理，主要从目前的商业银行风险类型，MS银行的现状所应对的策略作为出发点来研究。本文分为四个部分，首先是前言部分，将会提出文章的研究背景与意义；第二部分，讲述商业银行业务风险存在的风险类型及原因；第三部分，东莞MS银行业务风险存在的风险所出现的现状，主要分析现在的MS银行所处的境况，会有一个大概情况的了解；第四部分，东莞MS银行业务风险存在的风险所应对的策略，着重就当前东莞MS银行业务风险存在的风险出现的问题及改革建议进行详细分析，分析问题，然后制定相应的应对措施。

关键词  MS银行 业务风险 风险管理

ABSTRACT  In life, most people can not live without banks, whether personal or corporate businesses need to be used, so the business risks of commercial banks will increase, such as credit business, bills business, financial management business, overdraft business and guarantee business. Under the impact of various banks, the business risk management of commercial banks in China is also gradually exposed. Therefore, this paper studies the business risk management of commercial banks based on the actual development of commercial banks, especially Dongguan MS Bank, mainly from the current risk types of commercial banks and the current situation of MS Bank as a starting point. This article is divided into four parts, first of all, the preface, will put forward the research background and significance of the article; second part, describes the risk types and reasons of commercial bank business risks; third part, Dongguan MS banking business risks present situation, mainly analysis of the current situation of MS banking, there will be a general understanding of the situation; fourth part, The strategy to deal with the risks in Dongguan MS banking business is to analyze the problems and reform proposals of the risks in Dongguan MS banking business in detail, and then to formulate corresponding countermeasures.

KEYWORDS  MS bank；Business risk；risk management  

目 录
前言    1
1东莞MS银行    2
1.1东莞MS银行介绍    2
2商业银行业务风险的类型及原因    2
2.1商业银行业务风险的类型及含义    2
2.1.1信用风险....................................................2
2.1.2市场风险....................................................3
2.1.3流动性风险..................................................3
2.1.4操作风险....................................................4
2.1.5国家风险....................................................4
2.1.6合规风险....................................................4
2.1.7声誉风险....................................................4
2.1.8战略风险....................................................5
2.2商业银行业务风险的原因    5
2.2.1宏观环境不完善..............................................5
2.2.2国家社会经济环境的影响...................................... 5
2.2.3风险管理体制不完善 .........................................5
2.2.4部分企业经营不善............................................5
2.3商业银行业务风险的特点    ........................................6
3MS银行存在哪些业务风险    6
3.1内部控制制度不健全    6
3.2银行信息披露不规范    7
3.3风险管理理念不健全，风险管理文化淡薄    7
3.4不良的资产剩余量过多，需清理    7
4应对MS银行存在的业务风险所需策略    8
4.1健全内部控制制度    8
4.1.1建立内控体系,完善内控机制...................................8
4.1.2进一步落实岗位责任制.........................................8                                                          
4.2规范银行信息披露    8
4.2.1健全的披露制度..............................................8
4.2.2建立完善监督管理信息系统....................................9
4.2.3提高会计信息披露标准........................................9
4.3健全风险管理理念，充实风险管理文化    9
4.4 .MS银行要对不良贷款进行剥离    10
4.5加强对商业银行金融市场人才队伍的建设     10
5参考文献    10
6致谢    11