我国商业银行柜面业务操作风险研究
毕业论文关键词：商业银行; 柜面业务操作; 风险管理
Abstract
Commercial banks play a pivotal role in the national economy by the performance of its credit intermediary， the intermediary payment， credit creation，financial services，functions in developing the economy .And with the continuous expansion of social capital， the development trend of commercial banks can still directly related to the country renaissance， whether as a world power in the 21st century and stands in the top of the world's peoples. The healthy development of the bank's concerns have to mention operational risks. Basel 3 explicitly to market risk， credit risk， operational risk， as the three major banking risks， while the former two already have a more mature theoretical and practical demonstration system， so the study of operational risk will have important theoretical significance and reality significance. The counter operational risk as the risk of the most basic aspects of the operation is the most widely used， select this aspect is also conducive to really make valid point of view.Through to find relevant information and case analysis, the counter operational risk of commercial banks have a more clear understanding of operational risk management, the key lies in whether we can grasp the management, system management, and the construction of the system, the more important is the combination of the actual situation of the bank's own, made in favor of keeping good better risk benefit balance, to achieve the sustainable management of bank.
Key words：Commercial bank；Counter business；Operational risk
目 录
摘 要Ⅰ
AbstractⅡ
一、绪论1
(一) 研究目的与研究意义1
(二) 研究对象与主要内容1
(三) 研究方法2
(四) 文献综述2
二、商业银行操作风险概述3
(一) 柜面业务操作风险的概念及表现形式3
(二) 商业银行柜面业务操作风险分类、特点4
三、 商业银行柜面业务操作风险源分析5
(一) 柜面操作的管理操作5
(二) 员工的职业操守5
(三) 银行日常管理的处理事务过程5
四、柜面业务操作风险点及难点分析 6
(一) 个人、企业账户管理中的风险点6
(二) 反洗钱管理中的风险点6
(三) 柜面业务的风险点6
(四) 授权管理中的风险点7
(五) 代理业务中的风险点 7
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