MBA学位论文
作者：肖晶晶
南通农村商业银行理财业务风险管理改进研究
南通农村商业银行理财业务风险管理改进研究
中文摘要
作为银行表外业务,银行理财业务的发展近年来非常迅猛，由此带来的相关
风险管理问题也越来越突出。银行理财业务中的每个环节都涉及某些风险，当
某些相关问题出现而导致重大风险事件时，它们将严重影响理财业务的发展并
损害整个商业银行的声誉。且随着当前新的金融法规以及监管政策不断的收紧，
将会持续产生影响，因此风险事件的影响将不断积累并增加。所以研究新金融
法规及监管政策影响下，农商行理财业务风险管理情况的现实、理论意义极大。
本文对南通农村商业银行理财业务风险管理进行研究，在诸多理论比如投
资组合理论、全面风险管理理论的支撑下，遵循提出问题、分析问题、解决问
题的思想展开研究，在研究过程中，本文运用数据分析法以及文献研究法等方
法，完成南通农村商业银行理财业务风险管理改进研究。
论文首先综述选题背景、意义以及研究方法、内容，简要说明了有关国内
和国际文献的研究。接下来总结了我国商业银行理财业务的相关内容，且在整
合相关文献材料后，详细阐述了理财业务的概念，起源与发展，主要风险来源，
风险防范的重要性和相关基础理论等。再次，以南通农村商业银行为研究对象，
以其当前理财业务发展情况为研究内容，对其理财业务发展期间的风险管理能
力不足以及不足成因等进行分析，并建立指标体系与模型对南通农商行理财业
务风险进行评价。然后，确定南通农商行理财业务风险管理目标和原则，提出
问题的改进举措。最后，以南通农商行为研究对象，以其理财业务风险管理情
况为研究内容，预测管理效果，展开可行性分析，选择合适的管理举措。
关键词：农村商业银行，理财业务，风险管理
I

MBA学位论文
作者：肖晶晶
南通农村商业银行理财业务风险管理改进研究
RESEARCH ON THE IMPROVEMENT OF THE RISK
MANAGEMENT OF THE FINANCIAL MANAGEMENT
BUSINESS OF NANTONG RURAL COMMERCIAL
BANK
Abstract
As an off-balance-sheet business of banks, the wealth management business of
banks is developing rapidly, and the risk management problems caused thereby are
becoming more and more prominent. Every link in the wealth management business
contains risks. Once problems in some important links lead to major risk events, the
development of the wealth management business of commercial banks will be
greatly affected, especially under the continuous impact of the current new asset
management regulations. The effects of such risk events will be amplified. So in
terms of theoretical and practical meaning.Therefore, it is of great practical and
theoretical significance to study the risk management of financial management
business of rural commercial banks under the influence of the new asset
management regulations.
It is supported by investment portfolio theory, risk preference theory, and
comprehensive risk management theory. Following the ideas of putting forward
opinions, analyzing problems, and dealing with problems to carry out research,this
article use data and case analysis method to improve the risk management plan of the
financial management business of Nantong Rur al Commercial Bank.
This chapter not only introduces the research background and significance, but
also describes the domestic and foreign research situation, research methods and
content. and thoroughly studying, the definition of the personal wealth management
business is defined, and its development, main risk sources, and risk prevention
significance Integrate with the theoretical basis. Thirdly, This chapter takes Nantong
rural commercial bank as the research object, takes its current financial management
business development as the research content, and analyzes the existing problems
and the causes of the problems.Then, determine the risk management objectives and
II

MBA学位论文
作者：肖晶晶
南通农村商业银行理财业务风险管理改进研究
principles of the financial management business of Nantong Rural Commercial Bank,
and propose improvements to the existing problems. Finally, This paper takes
Nantong rural business behavior as the research object, takes its financial business
risk management as the research content, forecasts the management effect, carries
out the feasibility analysis, and selects the appropriate management measures.
Keywords: Rural Commercial Bank, wealth management business, risk
management
III
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