本文以实际应用为目的，将笔者所在单位作为研究对象，对 PL 农村商业银行的操作
风险管理的识别、评估与控制进行了分析和研究。首先在对相关研究和操作风险的基本概
念进行了总结；通过数量化分析、实例例举阐述了 PL 农村商业银行的操作风险管理现状，
理清了问题及其成因；结合 PL 农村商业银行实际，借鉴并使用操作风险与控制识别评估
（RCSA）的方法对 PL 农村商业银行的操作风险进行了识别与评估；然后从体系建设、
风险监测及计量、识别预评估和风险报告四个方面提出了操作风险控制策略以及实现这一
系列措施的保障措施，以确保风险防控目标的实现
【关 键 字】 农村商业银行；操作风险；风险管理
【论文类型】 应用研究西安理工大学工商管理硕士学位论文
II
Title: Research on Operational Risk Management of PL Rural
Commercial Bank
Major: Business Management
Student: ChenBo Signature:
Tutor: Prof. HuHaiQing Signature:
Abstract
In recent years, the scope of business of banking financial institutions has become wider
and wider, and the scale of assets has become more and more large. Rural commercial banks are
no exception as rural local financial institutions, but with the operational risks they face
Increase. Basel new capital agreement, the introduction of the banking industry once again
caused attention to the operational risks and attention, but also improve the operational risk
management requirements. Rural commercial banks from the rural credit cooperatives from the
restructuring, basic management, mechanism construction and other aspects of inherent
deficiencies, the operation of risk management in the form of state-owned commercial banks,
joint-stock banks more severe.
In this paper, the author uses the unit as the research object, and analyzes and studies the
operation risk management of PL commercial bank. First of all, the basic concepts of relevant
research and operational risks are summarized. Through the quantitative analysis, the examples
illustrate the current situation of operational risk management of PL commercial banks, and
clarify the problems and their causes. Combining the actual situation of PL commercial banks,
(RCSA) is used to identify and evaluate the operational risk of PL commercial banks. Then, the
operation of risk management is discussed from four aspects: system construction, risk
monitoring and measurement, identification of pre-assessment and risk reporting. Risk control
strategies and safeguards to achieve this series of measures to ensure the realization of risk
prevention and control objectives.
【
Key words
】Rural commercial bank. Operation risk; Risk management
【
Paper type
】Applied Research目录目录
1 绪论 ..1
1.1 研究背景 1
1.2 研究目的及意义1
1.3 研究内容及框架.2
1.3.1 论文研究的主要内容...........2
1.3.2 论文研究的框架.......3
1.4 论文研究的思路及方法 .4
1.4.1 研究思路......4
1.4.2 研究方法......4
2 文献综述与理论基础 ..........5
2.1 国内外文献综述.5
2.1.1 国外文献综述 ..........5
2.1.2 国内文献综述 .........6
2.2 商业银行操作风险管理的概念及理论基础.......7
2.2.1 商业银行操作风险的概念和分类....7
2.2.2 操作风险的特征.....10
3 PL 农村商业银行操作风险管理现状.........12
3.1 PL 农村商业银行简介..12
3.1.1 基本情况...12
3.1.2 发展概况....12
3.2 PL 农村商业银行的操作风险管理的现状.......14
3.2.1 PL 农村商业银行组织架构14
3.2.2 PL 农村商业银行内控职责与权限15
3.2.3 PL 农村商业银行制度建设情况....15
3.2.4 PL 农村商业银行操作风险管理活动........16
3.2.5 操作风险计量情况.19
3.3PL 农村商业银行操作风险管理中存在问题....19
3.3.1 管理制度不完善.....19
3.3.2 操作风险管理架构不完善.20
3.3.3 监督检查管理不力.21
3.3.4 人员管理及培训不到位.....22西安理工大学工商管理硕士学位论文3.3.5PL 农村商业银行操作风险的具体表现......23
3.4PL 农村商业银行操作风险的主要成因分析 ....24
3.4.1 内部控制有效性不足 .........24
3.4.2 操作风险管理理念偏差......25
3.4.3 法人治理机制不完善 .........26
3.4.4 激励考核不顺畅.....26
4 PL 农村商业银行操作风险识别与评估 .....27
4.1PL 农村商业银行操作风识别....27
4.1.1 风险识别的含义和内容......27
4.1.2PL 农村商业银行操作风险识别方法及选择..........28
4.1.3PL 农村商业银行操作风险识别 .....30
4.2PL 农村商业银行操作风评估....38
4.2.1 风险评估的含义.....38
4.2.2 风险评估的内容及方法......38
4.2.3PL 农村商业银行操作风险评估 .....39
5 PL 农村商业银行操作风险控制的对策 .....41
5.1 构建操作风险管理体系41
5.1.1 明确的操作风险管理目标..........
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