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论文作者:www.51lunwen.org论文属性:硕士毕业论文 dissertation登出时间:2014-09-02编辑:felicia点击率:35536
论文字数:17834论文编号:org201409020748067068语种:英语 English地区:中国价格:免费论文
关键词:操作风险风险损失置信水平Operational riskinternal processes
摘要:本文是一篇风险管理留学范文。操作风险被定义为“内部流程、人员和系统的配备操作不足或外部事件不完善所造成的风险损失或失败。在过去的二十年里,金融市场中普遍存在的无能和欺诈已经造成了大规模的金融失败,如巴林银行、大和证券、爱尔兰联合银行、奥兰治县、安然公司,以及其他的人为和自然灾害,如“9·11事变”、“安德鲁和卡特里娜飓风”。因此,操作风险已经被认为比信贷危机和市场风险更为重要。
When Mr. Depositwalaa filed for compensation, the bank conducted an investigation and found that the cash deposit of Rs. 10,000/- made by Mr. Depositwalaa was credited to another account holder-Mr. D Wallam, instead of being credited to Mr. Depositwalaa's account.
Identified risk creators for this example are as follows:
* Process risk (effecting wrong credit)
* Reputational risk (bad customer service, hence, the compensation claim)
2. Under its Monthly income Plan, Model Bank issued a Fixed Deposit (FD) receipt of Rs. 1 Lac in the name of Mr. Depositwalaa with the monthly interest slated to be credited to his SB account from time to time.
After making the fixed deposit, Mr. Depositwalaa went overseas. He returned to India after one year and checked up his SB account balance. He noticed that monthly interest from the deposit was not at all credited to his SB account despite standing instruction to that effect being in place. He enquired from the bank's counter clerk but received an evasive reply. He lodged a complaint with the bank for immediate credit of interest, together with interest on the delayed interest amount.
Upon investigation, Model Bank discovered that the standing instructions to deposit monthly interest on the FD were not noted in the computer system; the fact that fixed deposit was under monthly income scheme was also not recorded.
Identified Risk creators in this example are as follows:
* Process risk (not recording the standing instructions on the computer)
* People risk (not responding to the customer's query in an appropriate manner)
* Reputation risk (the account holder being an important person, may spread by word-of-mouth, information on the bank's poor system and unsatisfactory customer service).
3. M/s SME Manufacturing Company- a partnership firms was sanctioned cash credit limit of Rs. 1 Lac by Model Bank on 31-12-04. The appropriately stamped security documents were executed by the parties on 1-1-05 and an advance amount of Rs. 50,000/- was disbursed by the bank on the same day, by honoring a cheque signed by Mr. Arvind-one of the partners of the firm.
On 10-1-05 when the balance in cash credit account was around Rs. 1 Lac, a complaint was received from Mr. Govind, the other partner of the firm, saying that he did not execute any security documented for the advance.
Upon investigation it turned out:
i. The signatures of Mr. Govind on the security document were forged.
ii. Besides Mr. Arvind, the other person to sign the document, Mr. Solik, was a minor.
Identified risk creators: Defective document:
* Legal Risk
* People Risk
4. Model Bank sanctioned a Term Loan limit of Rs. 1 Lac to M/s Good Book Distributors for purchase of a computer, furniture etc. on an interest rate of 10.5% p.a.
The rate of interest in the loan ledger of the bank's computer system was recorded as 1.5% p.a.
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