商业银行防范经营风险研究毕业论文.doc

毕业论文 （20_ _届） 商业银行防范经营风险研究 摘 要 商业银行经营风险防范研究是近几年商业银行界最被关注的热点问题之一。商业银行的经营特点和其在一国国民经济中所处的关键地位和作用，导致了银行经营风险具有隐蔽性和扩散性的特点，一旦银行经营风险转化成现实损失，不仅可能导致银行破产，而且将对整个国民经济产生多米诺骨牌效应。因此，建立有效的风险防范和控制机制，对商业银行而言有着为重要的意义。关键词：Abstract Commercial bank management risk prevention study is the most commercial banking in recent years is one of the hot issues. Commercial bank management risk prevention are become instantly banking hot debate focus, I think this from commercial Banks properties are inseparable. Commercial Banks based on credit as the basis, the monetary operations borrowing and settlement business mainly high debt high-risk industries. Commercial Banks operating characteristics and the nation economy in key position and function, leading to the bank management risks latent and radiation characteristics, once the bank management risks into actual loss, not only may result in the bank bankruptcy, but also bring about the entire national economy produce domino effect. The central bank 7 years since the first 8 times to raise deposit reserve rate, which let China bankers had to be late scrape the math. Compared with liquidity, some bank managers pay more attention to the central bank to bank this measure the impact of benefit, From the overall look, in 2007 the central bank increased monetary policies frequency, the stock market shunt savings effect increased, allow the commercial Banks in 2008 business plans are facing many new challenges. Therefore, establishing effective risk prevention and control mechanism, the commercial Banks have more important significance. This article will use examples show the research methods, to ningbo bank as an example, the paper discusses related previous research results and theoretical analysis to suppose, further analysis of the operational risks of formation and preventive strategy. Keywords: Commercial Banks；Operational risk；Internal control；Prevent  目 录 1 相关概念的的理论界定 1 1.1 商业银行的定义 1 1.2 经营风险的定义 1 1.3 经营风险防范范围 2 1.4 商业银行经营风险研究的意义 2 2目前商业银行面临