地方商业银行风险战略模式研究——以河北银行为例-企业管理专业论文.docxVIP

摘要 摘 要 I I II II 风险是企业关注的焦点，尤其是金融企业。随着利率市场化的推进、经济的缓 慢增长、资产质量的大幅恶化及来自金融机构之间的竞争加剧等因素的影响，使得 商业银行对风险有了进一步的认识。如何有效的规避风险成为各位学者、专家以及 银行家研究的重点。本文从战略的角度来看风险问题，研究商业银行的风险战略模 式问题。 本文对地方商业银行的环境进行分析，利用 SWOT、QSPM 等分析工具制定并 选择满意的风险战略模式，并以河北银行为例进行实证研究，针对风险战略的实施 方面提出建议：调整授信政策，加大信贷风险监管力度；提高市场风险管理水平， 完善市场风险管理体系；重视资产质量，注重流动风险；建立完善的操作风险管理 体系，重视员工培训；优化组织结构，提升公司治理水平；引进与培养风险管理人 才。论文从战略角度考虑商业银行的风险管理问题，把风险管理上升到战略的高度， 有益于地方商业银行的可持续快速发展。 关键字：商业银行；风险战略；战略选择；实证分析 ABSTRACT Risk is the focus of enterprises, especially financial enterprises. With the advance of interest rate marketization, slow economic growth, asset quality deteriorated sharply and come from the competition between financial institutions and other factors, the commercial banks have further understanding of risk. How to effectively avoid risks become scholars, experts and bankers focus. In this paper, from a strategic perspective of risk, risk strategy of commercial banks. This paper analyzes the local commercial bank environment, using SWOT, QSPM and other analysis tools to develop and choose risk strategy selection of satisfaction. And take the Bank of Hebei as an example of empirical research, put forward some suggestions on the implementation of risk strategy: adjust the credit policy, intensify the supervision of credit risk; improve the level of market risk management , improve the market risk management system; pay attention to the quality of assets, pay attention to liquidity risk; establish perfect operational risk management system, pay attention to employee training; the optimization of the organizational structure, enhance the level of corporate governance; the introduction and cultivation of risk management personnel. This paper consider the risk management of commercial banks from the strategic point of view, the risk management to the strategic altitude, sustainable development is beneficial to the local commercial banks. KEYWORDS: Commercial Bank; risk strategy; strategic choice; empirical analysis 目录 目 录 PAGE PAGE