发布时间 : 星期六 文章我国现代金融机构的风险管理与内部控制更新完毕开始阅读8100af03cc17552706220800
摘要
我国现代金融机构的风险管理与内部控制
专 业：金融学 学 号：5400108016 学生姓名：简春红 指导教师：谌卫学
摘要
金融业在我国国民经济中处于牵一发而动全身的核心地位，关系到我国经济的良好发展和社会的长治久安，具有优化资金配置和调节、反映、监督国民经济的作用。随着改革开放的大力推进，我国的金融事业取得了显著成就，为国民经济的发展作出了巨大贡献。2006年我国金融业实行全面对外开放以来，随着经济全球化的日益深入发展，外国的金融机构纷纷进入中国市场，这对我国本土的金融机构造成前所未有的挑战和冲击。因此，防范金融机构的风险是目前我国经济发展所面临的最重要的问题之一，这个问题关系到我国国民经济能否健康稳定持续地发展和我国经济金融体制改革能否取得最终成功。我国的金融机构唯有进一步提升自身的经营管理水平，加强风险管理能力，防范和化解风险，才能更好地适应金融业全球化的发展趋势。建立起严格有效的金融风险管理体系是我国各个金融机构都在探索的重要课题。本文从我国现阶段金融机构的发展状况出发，论述我国现代金融机构风险管理与内部控制的现状及存在的问题，剖析了我国金融机构风险产生的原因，最后提出了加强我国金融机构风险管理的对策。 关键词：金融机构；风险管理；内部控制
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Abstract
Abstract
The financial industry plays a core role in China’s national economy , which has straight relations to the development of the economy and the stability of the society in our country .It not only has the functions of optimizing funds allocation ,but also can adjust、reflect、supervise the national economy. with the reform and open policy and vigorously promote, our financial industry has accomplished remarkable achievements. It has made grate contribution to the development of our national economy. Since in 2006 our country financial industry has implemented the comprehensive opening to the outside world, as the economic globalization's increasingly further development, more and more foreign financial institutions enter the Chinese market .This creates the unprecedented challenges and the impact to our country native financial institutions. Against the risk of the financial institutions is one of the most important issues in our present economic development. The issues relates to our national economy healthy stable sustainable development and the reform of the economic and financial system getting final success. Only our financial institutions further enhance their own management level and the ability of managing risk , and against and dissolve the risk ,can they better to adapt to the trend of the development of the financial industry globalization. Setting up a strict and effective system of managing financial risk is an important subject in the exploration for all financial institutions. This paper, we will from the present stage of the development situation of financial institutions in our country, discussing the existing problems in the current situation of our country’s modern financial institutions risk management and internal control, analyzing the causes of financial institutions risk. Eventually, this paper will put forward some countermeasures of strengthening our financial institutions risk management.
Keyword: Financial institutions；Risk management；Internal control
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目录
目录
摘要....................................................................................................................I Abstract..........................................................................................................................II 第一章 导论..................................................................................................................1 1.1研究背景和意义................................................................................................... 1.1.1研究背景..................................................................................................... 1.1.2研究意义...................................................................................................... 1.2文献综述.............................................................................................................. 1.2.1风险管理研究综述…….............................................................................. 1.2.2内部控制研究综述……............................................................................. 1.3论文框架............................................................................................................ 1.4研究方法与本文的特色..................................................................................... 1.4.1研究方法....................................................................................................... 1.4.2本文特色...................................................................................................... 第二章 我国现代金融机构的概况........................................................................... 2.1现代金融机构风险管理与内部控制的定义.................................................. 2.1.1风险管理的定义....................................................................................... 2.1.2内部控制的定义......................................................................................... 2.2现代金融机构风险管理与内部控制的关系…............................................... 2.2.1现代金融机构风险管理与内部控制的关系…......................................... 2.2.2 金融机构内部控制对风险管理的作用…............................................... 第三章 我国现代金融机构风险类型及其产生的原因........................................... 3.1 现代金融机构风险的类型................................................................................ 3.1.1信用风险...................................................................................................... 3.1.2流动性风险................................................................................................. 3.1.3利率风险...................................................................................................... 3.1.4市场风险....................................................................................................... 3.1.5操作风险...................................................................................................... 3.1.6其他风险................................................................................................. 3.2现代金融机构风险产生的原因....................................................................... 3.2.1我国金融机构自身经营管理不善.................................................................. 3.2.2金融机构的质量及结构不合理...............................................................
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3.2.3我国金融监管的体系不完善，对金融机构监管力度不够大.................... 3.2.4我国金融机构的队伍，内部工作人员素质较差….................................
3.2.5我国金融机构的管理层管理不善，监督不力........................................ 第四章 我国现代金融机构风险管理与内部控制的现状........................................... 4.1我国的现代金融体系还在建设中，金融市场不够发达……...................... 4.2我国金融机构风险管理和内部控制的组织机构不完善，专业人才匮乏…. 4.3我国金融机构风险管理分散且风险量化技术水平不高….......................... 4.4我国金融机构风险管理与内部控制的各项规章制度不完善….................... 4.5我国金融机构缺乏支持风险管理的信息系统建设落后，信息交流效率不高.. 第五章 加强我国现代金融机构风险管理与内部控制的对策……............................ 5.1推进我国金融市场和体制的改革，加快建设现代金融体系............................ 5.2发挥金融监管机构的作用，加大对金融机构的监管力度.............................. 5.3完善我国金融机构风险管理与内部控制的组织机构，培养高素质的专业的风险管理人才……................................................................................................... 5.4提高我国金融机构风险分散和量化的技术水平，建立风险预警机制，完善内部控制体系.................................................................................................... 5.5加快信息系统建设, 强调系统安全管理…….......................................... 第六章 结论和局限….............................................................................................. 6.1 结论….......................................................................................................... 6.2 本文的局限.................................................................................................... 参考文献…................................................................................................................ 致谢…...........................................................................................................................
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