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AbstractCommercialbanksinChina'scurrentoverallauditsysteminternalauditindependenceandauthorityisinsufficient,narrowcoveragebreadth,depthandfrequencyofaudit,auditpersonnelnotnotperformtheirdutiesorresumptiondoesnotreachthedesignatedposition,theproblemofauditandinternalauditproblemsrectificationisnotinplaceplansandthelackoffrequencyoftheauditcycleisnotreasonable,internalauditstaffresponsibilitiesheartisnotstrongincentivemechanismisnotobviouseventuallyleadtointernalauditeffectivenessfailure.Theoperationalriskofcommercialbanksandtheinternalcontrolofcommercialbankrelationshipbetweentightly,establishandperfecttheinternalcontrolsystemofcommercialbanksisthekeytoeffectivelypreventfinancialrisksofcommercialbanks.ThispapertriestoanalyzethecurrentsituationofinternalcontrolofcommercialbanksinChinaproperputforwardsomepolicysuggestionscombinedwiththecorporategovernanceofcommercialbanks.Keyword：Commercialbank;Internalcontrol;Financialrisk;Corporategovernance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.............................................................................5（二）民生银行资金经营的原则及特点.............................................................61.银行资金经营的原则...................................................................................62.民生银行资金经营的特点...........................................................................6（三）民生银行资金经营存在的问题.................................................................7三、利率周期对民生银行经营管理的影响................................................................8（一）利率波动的概念及现状.............................................................................81.利率周期影响我国民生银行的市场风险...................................................82.利率周期影响我国民生银行的信用风险.................................................103.利率波动影响我国民生银行的经营风险.................................................11四、民生银行资金经营创新对策..............................................................................12（一）改善流动性管理扩大资金流动性管理的范围.......................................12（二）建立完善的民生银行资金经营管理机制...............................................12（三）建立利率周期风险预防机制...................................................................12五、结论......................................................................................................................13致谢..........................................................................................................................14参考文献......................................................................................................
