|其他題名: ||The study of factoring in banking industrial on operational risk management|
|作者: ||謝淑芬;Hsieh, Shu-fen|
|關鍵詞: ||應收帳款承購業務;作業風險;應收帳款融資;授信業務;Factoring;operational risk;account receivable;loan|
|上傳時間: ||2010-01-11 01:52:27 (UTC+8)|
In recent years, factoring is one the fastest developing financial products in the global market; since 1996, Owing to mainland China’s rapid economic development and since most multinational corporations and manufacturers want to enter its growing market, one can expect the same growth in the Asian region. Thus, factoring among Taiwan banks is a must.
As bank fast-changing management environment, the business is numerous and jumbled day by day, the possibility which causes the operational risk improves by a wide margin. In view of this, the bank of Basel of Bank for International Settlements announced that '' International Convergence of Capital Measurment and Capital Standards, A Revised Framework '' June of 2004 (abbreviate by '' Basel II), The Committee is in purpose by '' Minimum Capital Requirements '', '' Supervisory Review Process '' and '' Market Discipline ''etc. pillar of three pieces, in order to strengthen the system risk management system of the bank. It will contribute to the development that the bank accused of being in charge of in the risk in the future. The importance of improving operational risk management becomes more and more crucial. This is the reason why the human factor in operational risk management is mainly the focus of this study.
Observing the scholar in recent years is generally absorbed in the content of the protocol proposing and discussing more, have not touched upon the part of operational risk yet. In view of this, factoring which the domestic financial institution activelies promotes at present is one of the new developing financial goods. Factoring financial is belonged to loan department , generally with credit risks for consider while being main. The whole operational procedure management of factoring has not become ripe yet. The importance of showing the factoring procedure of operational risk. Because I have been engaged in the financial institution for many years, awarding the work that departments are responsible for the relevant business now at present. This research shows that the concept of loan management of operational risk should be strengthened. Based on this, it is the main part of this research to study and extend.
The findings of the study can be summarized as the following conclusion:
1.The cognition that the bank underwrited factoring has already made progress.
2.The decree is imperfect
3.Accuse of being in charge of waiting to strengthen in concept to the operational risk, should implement and manage the homework relevantly
4.As to factoring, relevant computer homework platforms generally fail to support the relevant business demand efficiently.
5.The bank underwrites the degree of allocation of risks of the factoring, the domestic part relies mainly on bearing and making the listing company , it is in the majority not to insure ; the foreign part generally relies mainly on Import Factor.