Abstract
Abstract
Village Banks belong to China's banking system through a product after the change. Decades village Banks have obtained considerable development, has become the country's financial system is very important part of, its development 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 rather 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 overvalued, 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 become 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 banking 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 Banks. 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 reasonable; Incomplete
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Study on the Total Risk Management and Control of Village bank : A Case of A Village Bank in Chongqing Municipality
management tools; Consciousness; With the lack of talent present situation, find out the village Banks risk management mechanism construction guide \\\gap between the requirements of not completely meet the requirements. And expounds the comprehensive risk management system of the 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 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：Comprehensive risk； Risk control；ChongQing
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目 录
目 录
1.导论 .............................................................................................................. 1 1.1研究背景及意义 ............................................................................................ 1 1.2国内外研究综述 ............................................................................................ 2 1.2.1国外研究 .................................................................................................. 2 1.2.2国内研究 .................................................................................................. 3 1.3研究内容与方法 ............................................................................................ 4 1.3.1研究内容 .................................................................................................. 4 1.3.2研究方法 .................................................................................................. 5 1.4本文创新与不足 ............................................................................................ 5 1.4.1本文的创新 .............................................................................................. 5 1.4.2本文的不足 .............................................................................................. 6 2 村镇银行全面风险管理的理论基础 ............................................................. 7 2.1银行风险的类型 ............................................................................................ 7 2.1.1市场风险 .................................................................................................. 7 2.1.2信用风险 .................................................................................................. 7 2.1.3操作风险 .................................................................................................. 8 2.1.4流动性风险 .............................................................................................. 8 2.1.5声誉风险 .................................................................................................. 9 2.2全面风险管理概念 ........................................................................................ 9 2.3“巴塞尔协议”框架下全面风险管理与传统风险管理的区别 ............... 11 2.4村镇银行构建全面风险管理体系的必要性和意义 .................................. 12 2.4.1村镇银行构建全面风险管理体系的必要性 ........................................ 12 2.4.2村镇银行构建全面风险管理的意义 .................................................... 13
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村镇银行全面风险管控研究：以重庆市A村镇银行为例
3 我国村镇银行风险管理体系建设 ............................................................... 14 3.1村镇银行风险管理的基本情况 .................................................................. 14 3.1.1风险管理的特点 .................................................................................... 14 3.1.2风险管理的原则 .................................................................................... 14 3.1.3风险管理的目标 .................................................................................... 15 3.2村镇银行风险管理的组织架构 .................................................................. 15 3.3村镇银行风险管理机制建设 ...................................................................... 16 3.4银监会对村镇银行风险管理体系建设的要求 .......................................... 16 4案例分析之一：重庆市A村镇银行的风险管理现状与问题 ...................... 17 4.1 重庆市A村镇银行概况及风险管理总体情况 ......................................... 17 4.1.1 重庆市A村镇银行概况....................................................................... 17 4.1.2 重庆市A村镇银行风险管理总体情况............................................... 18 4.2重庆市A村镇银行风险管理组织分析 ...................................................... 19 4.2.1重庆市A村镇银行风险管理组织架构现状........................................ 19 4.2.2重庆市A村镇银行风险管理组织架构存在的问题............................ 19 4.3信用风险管理的现状与问题 ...................................................................... 20 4.4操作风险管理的现状与问题 ...................................................................... 23 4.5市场风险管理的现状与问题 ...................................................................... 25 4.6流动性风险管理的现状与问题 .................................................................. 26 5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 ............... 30 5.1 A村镇银行实施全面风险管理可能面临的障碍 ....................................... 30 5.1.1实施全面风险管理体制障碍 ................................................................ 30 5.1.2实施全面风险管理人员障碍 ................................................................ 31 5.1.3实施全面风险管理技术障碍 ................................................................ 31 5.2重庆市A村镇银行实施全面风险管理的原则 .......................................... 33 5.2.1 实施全面风险管理的全面原则 ........................................................... 33 5.2.2实施全面风险管理的重点原则 ............................................................ 33 5.2.3实施全面风险管理的科学原则 ............................................................ 33
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