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1、舅秀廬夕擎碩士研究生學(xué)位論文我國商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)防范研究申請(qǐng)人:學(xué)號(hào)i培養(yǎng)單位i學(xué)科專業(yè)i研究方向i指導(dǎo)教師i完成日期:張勇2101414經(jīng)濟(jì)與工商管理學(xué)院會(huì)計(jì)學(xué)財(cái)務(wù)信息化管理常樹春教授2012年11月25日一一一一一五~一~一公~羯叱.級(jí)分U密中文摘要姆㈣磐中文摘要隨著我國金融市場(chǎng)進(jìn)一步開放,利率市場(chǎng)化的進(jìn)程逐步加快,財(cái)務(wù)風(fēng)險(xiǎn)已經(jīng)成為我國商業(yè)銀行面臨的一項(xiàng)重大挑戰(zhàn)。防范我國商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)是促進(jìn)我國銀行業(yè)發(fā)展,保證我國金融市場(chǎng)穩(wěn)定的前提,對(duì)構(gòu)建完善的金融體系具有重要意義。本文通過分析我國商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)的現(xiàn)狀,以國內(nèi)外財(cái)務(wù)風(fēng)險(xiǎn)管理的理論和
2、監(jiān)管體系為基礎(chǔ),并結(jié)合海南省墓堡復(fù)因忽略澍財(cái)釜區(qū)險(xiǎn)的陵堇亟倒閉鰒塞型L詳細(xì)地從內(nèi)因、外因兩方面闡述了可能引發(fā)商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)的原因。文章著重從風(fēng)險(xiǎn)的識(shí)別、評(píng)估和防范三個(gè)方面針對(duì)我國銀行業(yè)存在的問題進(jìn)行剖析,分別從資本流動(dòng)性、會(huì)計(jì)體制、業(yè)務(wù)操作等幾方面提出應(yīng)對(duì)措施,強(qiáng)調(diào)我國監(jiān)管部門對(duì)銀行業(yè)的監(jiān)管要嚴(yán)格遵照國際慣例,嚴(yán)禁從業(yè)人員違規(guī)操作,最后本文提出建立內(nèi)控機(jī)制、強(qiáng)化從業(yè)人員素質(zhì)等應(yīng)對(duì)措施以防范商業(yè)銀行的財(cái)務(wù)分險(xiǎn)。關(guān)鍵詞:商業(yè)銀行;財(cái)務(wù)風(fēng)險(xiǎn);流動(dòng)性風(fēng)險(xiǎn);對(duì)策建議黑龍江大學(xué)碩士學(xué)位論文AbstractWiththeftl/theTopenmgof
3、China'sfinancialmarket,accompamedbythegraduaUyacceleratingprocessofmcrccrizationofinterestrates,financialriskhasbecomeamajorchallengefacedbythecommercialbanksinChina.TopreventthefinancialrisksofcommercialbanksinChinaisthepremisetodevelopChinasbankingindustryandtoff/Isureth
4、estabifityofthefinancialmarkets,whichisalsovitaltobuildasoundfinancialsystem.Inthispaper,byanalyzingcurrentSituationofChina'scommercialbanksandfinancialrisk,based011thetheorytothedomesticandinternationalfinancialriskmanagementandregulatorysystem,andtakeabankinHainanforexam
5、ple,whichcloseddownbecauseofthedeficiencyoffinancialriskprevention,detailfrombothinternalandexternalcausessectiontoexplainthereas011Sforthefinancialrisksthatmayleadtocommercialbanks.Thearticlefocuses011threeaspectsofriskidentification,assessmentandpreventiontoanalyzetheexi
6、stingproblemsofChina'sbankingindustry,putforwardcountermeasures,respectively,fromtheaspectsofcapitalmobility,accountingsystem,businessoperation,stressedthatChina'sregulatoryauthoritiesonbankingsupervisionshouldbemorestricttocomplywiththeinternationalpractice,non-employingm
7、egaloperationsshouldbebanned,Finallyproposemeasurestoguardagainstthefinancialriskforcommercialbanksbyestablishinginternalcontrolmechanismsandstrengthenthequalityofemployees.Keywords:Commercialbank;,Liquidityrisk,andSuggestion-Ⅱ一·目錄中文摘要’???????????????????????????????.IAbst
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