商业银行业务与管理——商业银行风险控制.ppt

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,学习情境,9,分析商业银行风险，掌握风险控制方法,分析商业银行面临的风险,了解商业银行风险管理的组织结构,掌握商业银行风险管理的方法,1,2,3,Contents,企业在经营过程中会面临各种风险，商业银行是特殊的企业，更应树立风险防范意识，对风险进行分析，掌握风险控制方法。,任务,1,分析商业银行面临的风险,子任务,1,了解各种商业银行面临的风险,商业银行的风险,信用风险,声誉风险,国家风险,市场风险,利率风险,法律风险,操作风险,流动性风险,风险是指不确定性，是一种可能性,信用风险,信用风险,是指银行的交易对象由于各种原因未能按照合同的约定履约的风险。,存在于贷款、担保、承兑、证券投资等业务中。,原因：借款人自身经营失败、经济周期,国家风险,国家风险,是指与贷款人所在国的经济、社会和政治环境方面相关的风险。,向外国政府或政府机构提供贷款时（没有担保）,人民币汇率上升,弊端：,将对我国出口企业特别是劳动密集型企业造成冲击。,不利于我国引进境外直接投资。,加大国内就业压力。,影响金融市场的稳定。,巨额外汇储备将面临缩水的威胁。,利率风险,利率风险,是指由于市场利率出现不利的波动时，银行的财务状况所面临的风险。,流动性风险,流动性风险,是指银行出现资金流动性不足时，无法以合理的成本迅速增加负债或者欺方式获得足够多的资金，从而影响到其盈利水平。,原因：,银行投资失败，导致没有足够的资金满足日常的存取需要,银行管理不善，一时周转不灵，出现暂时流动性困难,操作风险,操作风险,是指由于银行的内部控制机制和公司治理机制的失效而导致的风险。,高山善于交朋友，三教九流结识了很多人。高山主持工作半年多后，存款业务就突然大量增加。,1999,年岁末，东北高速在新兴分理处开立账户，首笔便存入了,2000,万元,因为业绩突出，高曾有机会被提拔为道里支行副行长，但被他拒绝了。,2002,年，道里支行还奖励了一辆,polo,轿车给高个人，但他让给了分理处同事使用。这些举动使高在河松街中行颇得人望。,2005,年,1,月,4,日，东北高速公路股份有限公司财会人员到中行河松街支行对账，发现其单位账户上,2.9,亿元资金不知去向！同时，东北高速子公司,黑龙江东高投资开发有限公司亦发现其在河松街支行的,530,万元资金不翼而飞！,案发后，,中国银行黑龙江省分行,哈尔滨河松街支行原行长,高山,因涉嫌参与金融诈骗犯罪被警方通缉。但高山及家人已于,2004,年底出境，该案的幕后操纵者李东哲亦出逃。,后经追查，黑龙江辰能风险投资有限责任公司存于中行河松街支行的资金约,3.2,亿元去向不明。有同样遭遇的还有黑龙江社会保险事业管理局等数家单位，总计金额高达,10,亿元。其中，数亿元资金被该案主要嫌疑人高山、李东哲转移至海外。,2012,年,1,月底，李东哲在潜逃加拿大,7,年后，近日终归国投案自首。,法律风险,包括由不完善、不正确的法律意见、文件造成同预计情况相比，资产价值下降或者负债加大的风险。,声誉风险,是由于违反有关法规和其他问题而产生的风险。,子任务,2,了解各种商业银行应对风险的管理策略,在事先预测到风险产生的可能性后，判断其产生的因素和条件，做到尽量避免，从而将相应的风险全部彻底消除,回避风险,分散风险,转移风险,自担风险,对于实在无法消除的风险，由银行自己承担,合理分配银行的总资产，以分散或降低风险,银行以某种方式将风险转移给他人承担,任务,2,了解商业银行风险管理的组织结构,商业银行在经营中会不断面临各种风险，故要设立相应的机构进行风险管理。,银行应根据其业务的侧重点选择不同的风险管理体系。,子任务,1,了解多层次的风险管理结构,对风险管理承担总的、最后的责任；检查和审批总体风险管理的命令和政策；衡量银行的总体风险敞口,董事会,风险管理委员会,各相关风险管理部门,一般设在董事会之下，集中统一管理总体风险，一般由负责风险管理的高级管理人员组成,市场风险管理部、信用风险管理部、风险管理技术部等。主要任务是负责审议银行的市场风险管理、信用风险管理和风险管理技术等,银行的其他部门,银行内部的其他业务部门,Click 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