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Research On Financial Management Pattern Of Modern Bank: Prospect Of Comprehensive Risk Management Framework

Posted on:2011-01-11Degree:DoctorType:Dissertation
Country:ChinaCandidate:N XieFull Text:PDF
GTID:1119360308482649Subject:Accounting
Abstract/Summary:PDF Full Text Request
Finance is the core of the economy. Banks, as an important component of china's market economy, play a fundamental role in financial market system. Faced with economic globalization progress, China's bank "go, bringing in" strategy has become an important issue related to bank's own development, growth, maturity. Comprehensive risk management strategy has become the core of banking management. As basic management arrangements, modern enterprise system is a key to improve bnaking financial management system standard.Financial management is the core of modern banking management. Banking financial management based on comprehensive risk management framework is to re-sort the financial management process and integration for conventional banks. This paper sums up banking's role, products and evolution, which is the historical evolution of banking risk management. Risk aggregation is the bank's industry characteristics. This article describes most types of banking risk exposured. Corporate governance, comprehensive risk management framework, and external regulation build up banking control arrangement "Troika" in risk management: Bank corporate governance is an internal self-regulatory mechanism, comprehensive risk management framework is the means of internal constraints, market supervision and government regulation is external supervision requirements.This paper sums up the bank's historical evolution of financial theory, compares the gap between Chinese and foreign banks and financial management practice, make up a comprehensive risk management framework "financial goals flow, financial organizations, flow, flow of financial activities, financial and cultural flows," 4 bit one of the innovative financial pattern for banking management with Chinese characteristics. This article discusses the innovative financial pattern of the objectives, principles, characteristics, proposed a comprehensive risk management into the bank the whole process of financial control. First, the bank's capital budget should cover the overall risk, the bank's capital budget is the core element of financial control in advance; Second, banks should pay attention to operational risk control and management of financial affairs; Third, the banks risk factors-credit risk management should pay attention to financial subsequent performance evaluation. This followed a detailed discussion of the comprehensive risk coverage, operational risk, credit risk of financial strategy. Finally, this paper discusses the bank's tax planning strategies tax-related risks, and puts forward opinions and suggestions on tax planning on banking risk management.The practical significance of this paper is to sum up the successful practice of domestic and international banking financial management experience, to come up with risk analytical management methods and pattern according to requirements of China's national conditions, to optimize bank's risk management strategy used in practice, to guide capital budget control and performance evaluation in the financial management process of modern banking.
Keywords/Search Tags:Modern bank, Comprehensive risk management, Financial management Pattern, Capital coverage, Operational risk, Credit risk
PDF Full Text Request
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