论民生银行资金结构的优化问题分析研究 财务会计学专业

论民生银行资金结构的优化问题 摘 要民生银行的经营风险与民生银行资金经营的强弱关系紧密，民生银行资金经营制度的建立和完善是有效防止民生银行发生金融风险的关键。目前我国民生银行整体的资金经营存在一些问题，例如利率周期影响我国民生银行的市场风险利率周期影响我国民生银行的信用风险利率波动影响我国民生银行的经营风险。本文试图通过结合民生银行的公司治理机制分析我国民生银行资金经营的现状适当提出一些政策建议。关键词：民生银行；资金经营；金融风险；公司治理Abstract Commercial banks in China's current overall audit system internal audit independence and authority is insufficient, narrow coverage breadth, depth and frequency of audit, audit personnel not not perform their duties or resumption does not reach the designated position, the problem of audit and internal audit problems rectification is not in place plans and the lack of frequency of the audit cycle is not reasonable, internal audit staff responsibilities heart is not strong incentive mechanism is not obvious eventually lead to internal audit effectiveness failure. The operational risk of commercial banks and the internal control of commercial bank relationship between tightly, establish and perfect the internal control system of commercial banks is the key to effectively prevent financial risks of commercial banks. This paper tries to analyze the current situation of internal control of commercial banks in China proper put forward some policy suggestions combined with the corporate governance of commercial banks.Keyword：Commercial bank; Internal control; Financial risk; Corporate governance 目 录 一、研究民生银行资金经营的目的及意义................................................................4二、民生银行资金管理理论........................................................................................5（一）民生银行资金管理概念...............................