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某村镇银行的内控体系问题与优化MBA措施

2021-03-10 09:56:23分类:MBA论文 阅读:

 

学霸论文网是一家专业提供论文定制修改服务的网站,上10年的论文经验,无论是本科论文、硕士论文还是MBA论文,博士论文,大家都能为您提供方便、快捷、安全的论文服务。以下是学霸论文网小编为您整理的一篇MPA论文MBA论文硕士论文毕业论文范本,本文是关于某村镇银行的内控体系问题与优化措施。本论文将在研究内控构成要素和分析机构学者已有研究的基础上,以 A 行为例,找出该行当前控制体系构建中仍需完善的地方。同时,为使 A 银行能在短期内构建一个全面、合理的内部控制体系,通过对内部控制理论分析并结合他行经验,重新优化设计 A 银行的内控体系以及明确构建该体系的具体措施,以此来加速 A 行整个控制体系的构建之路。代写一篇硕士论文、MBA论文多少钱!

摘  要  作为银行业系统的重要部分,村镇银行自 2007 年试点以来,内控不完善的问题一直存在,例如企业法人治理不到位、内控体系建立不完善、高管风险合规意识不强等。而造成此种结果的原因也是多方面的,如受员工数量限制及专业水平影响,不少村镇银行的内部控制体系建立不够全面或未曾建立。除此之外,也有不少村镇银行在经营过程中片面注重业务发展,忽视内控体系建设,造成了内控失效、案件频发。那么,在如此内控不健全情况下,加之农村区域的金融环境又呈现为高风险、高成本、低收益的运营状态,因此,使立足当地的村镇银行在当前宏观经济下行的情况下面临巨大的风险。2017年,银监会提出对商业银行采取强监管、严问责模式,且免除村镇银行的特殊待遇,与其他商业银行采取同等监管模式。该项措施的实施使得村镇银行内控薄弱问题得以彻底暴露。那么,基于以上事实,如何完善内部控制体系,不仅是农村区域银行业普遍要面对的问题,也是不少业内人士积极解决的问题。

  为此,本论文将在研究内控构成要素和分析机构学者已有研究的基础上,以 A 行为例,找出该行当前控制体系构建中仍需完善的地方。同时,为使 A 银行能在短期内构建一个全面、合理的内部控制体系,通过对内部控制理论分析并结合他行经验,重新优化设计 A 银行的内控体系以及明确构建该体系的具体措施,以此来加速 A 行整个控制体系的构建之路。全文一共分为六个部分,第一部分为绪论,主要先容了村镇银行内控体系急需构建的背景,引出本文主体。第二部分为理论综述,先容了内控定义及发展概述,并对国内外文献综述进行梳理。第三部分以 A 银行为例,对其当前内控发展现状进行剖析。第四部分是对照内部控制五要素要求提出该行内控体系建设存在的问题。第五部分是针对第四部分提出的 A 银行内控体系建设存在的问题,结合内控体系构建要求及国有大行的前期经验,提出一系列优化 A 银行内控体系建设的意见。

某村镇银行的内控体系问题与优化MBA措施

  
  关键词:  村镇银行,内部控制,优化。
  

  Abstract

  
  At present, both the risk management level and the methods of rural banks exist a big gap compared with the large-scale commercial banks in China. Meanwhile, the domestic financial environment in rural area presents such a state: high risk, high cost and lower yields. With the macroeconomic downturn,the banks established in rural area, consequently, are surrounded by some of greater risks. However, in the preliminary stage, the vast majority of rural banks only placed emphasis on their business development and ignored risk management and control. That is why some of them bumped into risks frequently. In 2017 the China Banking Regulatory Commission (CBRC) started carrying out a new model, strong supervision and strict accountability, and exempted the special treatment of rural banks. The supervision modal equal to other commercial banks exposed the weak bank internal control. As one of important parts of banking system, since 2007 rural banks have had many problems that were deemed as the imperfect internal control, like the inadequate governance of legal person, the insufficient awareness of compliance risk of executives and so on. Therefore, how to perfect the internal control system isnot only an issue faced by rural banks but also an issue to address for insiders of banks.
  
  For all this, with the research of constituent elements of the internal control and previous studies from analysts, this paper will take A Bank as an instance to find out the drawbacks in the internal control. At the same time, for the purpose that A Bank could build up a comprehensive and sound internal control system in a short period, this paper will combined the theories analysis about internal control with the experience of other banks to optimize its internal control system, and provide the concrete measures, so that this paper can expedite the whole construction of A Bank’s internal control system. This paper has six parts.The first part mainly introduces the background that rural banks are in urgent of rebuilding their internal control system in order to lead to the main body of this paper. The second part is theoretical overview section. It introduces the definition and development of internal control, and reviewed the domestic and foreign literature overviews. The third part takes Bank A as an example to analyze its current internal control development status. The fourth part brings forward the problems that exist in the construction of internal control system of A Bank according to the five requirements of internal control. The fifth part, for the demerits existing in the A Bank, refers to the construction requirements of internal control system and the previous experience from the big state-owned banks, and make some suggestions about how to optimize the internal controlsystem.
  
  Keywords:    Village bank,internal controls,optimize。
  

  第一章   绪论

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