《村镇银行全面风险管控研究课程》由会员分享，可在线阅读，更多相关《村镇银行全面风险管控研究课程（56页珍藏版）》请在金锄头文库上搜索。
1、村镇银行全面风险管控研究：以重庆市A村镇银行为例Study on the Total Risk Management and Control of Village bank : A Case of A Village Bank in Chongqing Municipality15案例分析之二：重庆市A村镇银行实施全面风险的障碍与对策摘 要村镇银行属于中国的银行制度历经变革后的一种产物。数十年间村镇银行已获得了较大发展,成了国家金融体系内十分重要的构成部分,其对经济的发展同金融体制的改革有着推动作用。因现代银行的业务类别日益多样和复杂,多个业务间存在交叉十分普遍,面临的风险也是集信用、市场及操
2、作等多类风险一身的整体性而非单一性的风险，彼此交织相关性强。对风险管理的传统模式中,银行风控部门对各类风险的管理方式常出现分离,此类管理的方式一定会使风险的相互作用难得重视,风险简单相加就可引发整体高估,诱发人、物力浪费,破坏资源配置效率。因此由自身风险的管理需要而言,村镇银行中的风险管理需充分斟酌多种风险之间的相关性,由整体做好风险管理,而全面风险管理也成为银行将来风险管理的一大发展趋势。本文开展研究的目标给探索村镇银行怎样构建全面风险管理体系。先对全面的风管内涵进行了分析，对巴塞尔协议III做了分析，讨论了其给银行业的风管影响。根据中国银监会所发布的有关文件,分析了当前监管部门对于村镇银行
3、全面风险管理建设的要求同有关内容,论述全面风管对村镇银行的必要意义。然后以重庆市A村镇银行为例,从信用、操作、市场及流动性等数类风险方面揭示其风险的管理的前瞻性、现实性、全面性和专业性等特征，以及市场风险管理存在的组织体系设计不合理；管理工具不完善；意识淡薄；人才缺乏等现状,找出了同村镇银行风险管理机制建设指引的要求存在的差距，未完全达到要求。并系统阐述了全面风险管理体系的具体构建以及构建的障碍、原则,探讨了可能面临的障碍以及应对的保障措施，应全面构建风控体系、降低风控措施和促使保障措施到位。最后，设计和提出了全面风管的信息体系框架，包括具体可实现的功能同风险经理与合规、流程的管理乃至风险容忍
4、程度的管理平台，还包括信用、市场、操作风及流动性和声誉等风险管理系统和其它风险管理系统。关键词： 村镇银行 全面风险 风险管控 重庆39AbstractVillage Banks belong to Chinas banking system through a product after the change. Decades village Banks have obtained considerable development, has become the countrys financial system is very important part of, its developm
5、ent of economy and the reform of the financial system has a role in promoting. Because of modern banking business category, increasingly diverse and complex, cross between multiple business is very common, is a composite of credit risk, market and operating risks, such as more like a integrity rathe
6、r than the risk of oneness, interweave each other strong correlation. The traditional model of risk management, bank risk management department to each kind of risk management way often appear separation, such management risk on the way will be the interaction of rare, risk sum can trigger a whole o
7、vervalued, induce people and material resources waste, destroy the resource allocation efficiency. So by its own risk management needs, risk management of village Banks need to fully consider the correlation between various risk, to be overall risk management, and comprehensive risk management has b
8、ecome a development trend of bank risk management in the future. This paper studies the target to explore rural Banks how to build a comprehensive risk management system. First analyzes the comprehensive connotation of the duct, gave an analysis of the Basel III, discuss its affect duct of the banki
9、ng sector. According to the relevant documents issued by the China banking regulatory commission (CBRC), analyzes the current regulators for overall risk management requirements of the construction of the village Banks with relevant content, discusses the necessary of comprehensive duct of village B
10、anks. And then with A village bank in chongqing as an example, from credit, operation, market and liquidity risk aspect reveals the risk management of the forward-looking, practical, comprehensive and professional characteristics, and the market risk management organization system design is not reas
11、onable; Incomplete management tools; Consciousness; With the lack of talent present situation, find out the village Banks risk management mechanism construction guide the gap between the requirements of not completely meet the requirements. And expounds the comprehensive risk management system of th
12、e specific build and build barriers, principle, probes into the possible obstacles, and to safeguard measures, should be comprehensively construct risk control system, to reduce the risk control measures and safeguards in place. Finally, the design and puts forward the comprehensive pipe information
13、 system framework, including concrete which can realize the function of the risk manager and compliance, process management and risk tolerance of the management platform, include credit, market, operation and liquidity risk and reputation risk management system and other management system. Keywords：
14、Comprehensive risk； Risk control；ChongQing目 录1.导论11.1研究背景及意义11.2国内外研究综述21.2.1国外研究21.2.2国内研究31.3研究内容与方法51.3.1研究内容51.3.2研究方法51.4本文创新与不足61.4.1本文的创新61.4.2本文的不足62 村镇银行全面风险管理的理论基础82.1银行风险的类型82.1.1市场风险82.1.2信用风险92.1.3操作风险92.1.4流动性风险92.1.5声誉风险102.2全面风险管理概念102.3“巴塞尔协议”框架下全面风险管理与传统风险管理的区别122.4村镇银行构建全面风险管理体系的必
15、要性和意义142.4.1村镇银行构建全面风险管理体系的必要性142.4.2村镇银行构建全面风险管理的意义153 我国村镇银行风险管理体系建设163.1村镇银行风险管理的基本情况163.1.1风险管理的特点163.1.2风险管理的原则163.1.3风险管理的目标173.2村镇银行风险管理的组织架构173.3村镇银行风险管理机制建设183.4银监会对村镇银行风险管理体系建设的要求184案例分析之一：重庆市A村镇银行的风险管理现状与问题194.1 重庆市A村镇银行概况及风险管理总体情况194.1.1 重庆市A村镇银行概况194.1.2 重庆市A村镇银行风险管理总体情况204.2重庆市A村镇银行风险管理组织分析214.2.1重庆市A村镇银行风险管理组织架构现状214.2.2重庆市A村镇银行风险管理组织架构存在的问题214.3信用风险管理的现状与问题224.4操作风险管理的现状与问题264.5市场风险管理的现状与问题284.6流动性风险管理的现状与问题295案例分析之二：重庆市A村镇银行实施全面风险的障碍与对策335.1 A村镇银行实施全面风险管理可能面临的障碍335.1.1实施全面风险管理体制障碍335.1.2实施全面风险管理人员障碍345.1.3实施全面风险管理技术障碍355.2重庆市A村镇银行实施全面风险管理的原则365.2.1
