学位论文原创性声明
本人所提交的学位论文《A银行国际结算业务风险控制研究》，是在导师的指导下，
独立进行研究工作所取得的原创性成果。除文中已经注明引用的内容外，本论文不包含
任何其他个人或集体已经发表或撰写过的研究成果。对本文的研究做出重要贡献的个人
和集体，均已在文中标明。
本声明的法律后果由本人承担。
论文作者（签名）：
指导教师确认（签名）：
2022年 5月 8日
2022年 5月 8日
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论文作者（签名）：
指导教师（签名）：
2022年 5月 8日
2022年 5月 8日

摘要
在经济全球化发展和我国市场经济的共同影响下，我国的对外贸易与投融资日益庞
大。然而，国际形势瞬息万变，作为重要的市场参与主体，银行在国际业务上面临的风
险也越来越多。风险管理已成为我国银行界普遍探讨的重大问题，通过高质量的风险管
理可以使银行建立健全的决策机制，从而降低损失。A银行为中国农业发展银行的二级
分行，在日常业务经营中，除了履行农业政策性金融职能，支持“三农”事业，致力于
擦亮“粮食银行”和“农地银行”金字招牌，还充分利用其政策优势，调整产品服务，
满足日新月盛的市场需求。为此，A银行持续不断加大国际结算业务的发展力度，在国
际贸易结算中进行了尝试探索。在此背景下，国际结算业务健康、稳定地发展，合理有
效把控风险，是一项重要的课题。
本文梳理了国内外相关文献，运用风险管理理论，结合企业全面风险理论，兼顾政
策性银行国际结算业务特点，对 A银行国际结算业务的风险管理现状进行了分析。发现
其在未明确国际结算业务的风险审核监督部门、结算业务难以识别和计量风险、人员配
备以及对经办的业务后续风险监管等方面存在不足。原因主要是组织架构和岗位设置不
合理、风险识别和评价技术低、业务操作流程精细化程度不够、内部监控监督机制不完
善、高专业素质人才缺乏、对国际结算业务风险重视程度不足等。本文提出的建议包括：
健全内部控制监督机制、明确风险组织架构中的权责、提高技术信息化水平、建立明确
的标准化风险控制操作规范、加强对外部监管动态的关注、建立集中运营中心、培养高
素质人才、优化纵向横向沟通机制等。
本文以 A银行为研究对象，通过收集国际业务相关经营资料和真实详细的业务数据，
综合评价其在国际结算业务风险控制中各维度的优势、劣势，根据分析结果提出发展建
议。除此之外，也期待本文的研究内容可以为我国政策性银行国际结算业务的未来发展
提供支持，并建立较为科学有效的行业风险管理机制，从而推动银行业务的健康可持续
发展。
关键词：国际结算业务；农发行；风险管理
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Abstract
Under the combined influence of the development of economic globalization and my
country's market economy, Chinese foreign trade, investment and financing have become
increasingly large. However, the international situation is changing rapidly. As an important
market participant, banks face more and more risks in international business. Risk
management has become a major issue widely discussed in the banking industry in China.
Through high-quality risk management, banks can establish a sound decision-making
mechanism, thereby reducing losses. Bank A is a secondary branch of the Agricultural
Development Bank of China. In its daily business operations, in addition to performing
agricultural policy-related financial functions, supporting the cause of "agriculture, rural areas
and farmers", it is committed to polishing the golden signs of "grain bank" and "agricultural
land bank". It also makes full use of its policy advantages to adjust products and services to
meet the growing market demand. Therefore, Bank A continued to increase the development
of international settlement business, and tried to explore in international trade settlement. In
this context, the healthy and stable development of international settlement business and the
reasonable and effective control of risks are an important issue.
This thesis sorts out the relevant literature at home and abroad, uses the risk management
theory, combines the comprehensive risk theory of enterprises, and takes into account the
characteristics of the international settlement business of policy banks, and analyzes the
current situation of risk management of Bank A's international settlement business. It was
found that there are deficiencies in the risk review and supervision department of the
international settlement business, the difficulty in identifying and measuring risks in the
settlement business, the staffing, and the follow-up risk supervision of the business handled.
The main reasons are unreasonable organizational structure and post setting, low risk
identification and evaluation technology, insufficient refinement of business operation
procedures, imperfect internal monitoring and supervision mechanism, lack of highly
professional talents, and insufficient attention to international settlement business risks. The
suggestions put forward in this thesis include: improving the internal control and supervision
mechanism, clarifying the powers and responsibilities in the risk organization structure,
improving the level of technology informatization, establishing a clear standardized risk
control operation specification, strengthening the attention to external supervision dynamics,
establishing a centralized operation center, training High-quality talents, optimizing vertical
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