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论文编号：	8788
作者编号：	2120142547
上传时间：	2016/12/8 15:27:58
中文题目：	某市住房公积金管理中心风险防控研究
英文题目：	Research on Risk Prevent and Control of House Fund Management Center of X City
指导老师：	张继勋
中文关键字：	住房公积金;风险防控;优化措施
英文关键字：	House Fund;Risk Prevention and Control;Optimization Methods
中文摘要：	经过近二十年的发展，住房公积金制度逐步走向成熟，在资金的归集、管理和使用方面有了长足的进步，但伴随着科学技术的不断创新和社会需求的不断提高，作为类金融服务行业的某市住房公积金管理中心（以下简称“某公积金中心”）仍然需要紧追时代步伐，抓住有利契机，实现自我发展。某公积金中心一直以“服务经济、服务群众”作为宗旨，在国家法律法规的要求范围内，一直寻求突破，致力于提高自身的运营能力和服务水平，但住房公积金制度关乎民生，所以在改进的同时，必须做到资金安全、运营安全，实现快速发展和稳定运营这一矛盾的平衡前进。本文主要研究某公积金中心如何通过一系列风险防控优化措施，解决电子渠道快速发展和多渠道整合这一战略目标过程中遇到的诸多问题，为住房公积金的长久发展保驾护航。 本文共分为五个部分。第一部分整体概述了某公积金中心实施风险防控的研究背景和意义，描述了国内外研究现状并介绍了研究内容与创新点。第二部分回顾了COSO的《企业风险管理——整合框架》风险管理理论，作为本文的理论支撑和实施风险防控优化措施的框架。第三部分主要通过对某公积金中心的整体概述，风险防控现状的介绍，阐述了当前风险防控中存在的问题。第四部分参照银行风险管理经验，以及COSO发布的《企业风险管理——整合框架》，结合某公积金中心发展实际，针对风险管理中发现的问题，分别从制度、流程、系统、数据、风险文化、人员培训及绩效考评等方面实施了优化措施。第五部分是结论，在总结全文的同时，提出本文不足之处及未来研究方向。 本文在借鉴《巴塞尔新资本协议》的基础上，力图转换视角，将COSO的《企业风险管理——整合框架》应用到某公积金中心风险防控之中，最终形成基于三道防线的全员参与的全面风险防控优化。同时，也希望能够抛砖引玉，使他人在分析非企业性质的单位风险时能够得到借鉴。
英文摘要：	In the last two decades, housing fund system gradually mature and made great strides in the funds collection, management, and utilizing. However, with the constant progress of science and technology and the increase of social needs, housing fund system still need to keep pace with the times to seize the favorable opportunity and realize self-development. House Fund Management Center of X City (hereinafter to be referred as “HFMC”) has always followed the aim of serving the economy and serving the masses, and was committed to improving its operating and service level within the request of the laws and regulations. While the housing fund system concerns the livelihood of the people, the security of funds and operations must be fully guaranteed to achieve the balanced development of rapid expansion and stable operation. The main purpose of this research is to discover how the HFMC could utilize a series of risk prevention and control measures to solve the appearing problems in the strategic goal of electronic channel development and multi-channel integration, and therefore to be of assistance to the permanent development of house fund. This thesis is divided into five parts. The first part summarizes the background and significance of the implementation of the risk prevention and control measures, and describes the research status at home and abroad as well as the research content and innovation. The second part reviews COSO-based enterprise risk management integrated framework, which serves as the theoretical foundation and optimization framework of risk prevention and control. In the third part, the general description of HFMC and its current risk prevention and control measures are presented and the existing problems are analyzed. After that, according to the experience of the bank risk management and the “enterprise risk management integrated framework” issued by COSO, the fourth part of the thesis implements optimization measures, which include institution, process, process, system, data, risk culture, personnel training and performance evaluation measures. At last, the whole paper is summarized and the shortage and future study directions of this research is put forward. Based on the Basel Capital Accord, this paper tries to change the view, and apply the COSO "ERM-Consolidation Framework" to the risk prevention and control of a certain fund center, and finally form a three- Participation in the comprehensive risk prevention and control optimization. At the same time, also hope to be able to initiate, so that others in the analysis of non-enterprise nature of the unit risk can be used for reference.
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