摘要
金融是現(xiàn)代經(jīng)濟(jì)的核心，而銀行又是金融業(yè)的主體、金融體系的安全、
高效、穩(wěn)鍵運(yùn)行對經(jīng)濟(jì)全局的穩(wěn)定和發(fā)展至關(guān)重要;又由于金融業(yè)滲透到
社會生活的各個領(lǐng)域，是一個特殊的高風(fēng)險行業(yè)，一旦銀行機(jī)構(gòu)出現(xiàn)危機(jī)
就很容易在整個金融體系中引起連鎖反應(yīng)，引發(fā)全局性、系統(tǒng)性的金融風(fēng)
波，從而導(dǎo)致經(jīng)濟(jì)秩序的混亂，甚至引發(fā)嚴(yán)重的政治，經(jīng)濟(jì)危機(jī)。所以，
如何化解和防范金融風(fēng)險己成為銀行管理活動中一個十分迫切而又重要的
內(nèi)容‘本文結(jié)合自己的工作實際，對中行宣城市分行的員工素質(zhì)風(fēng)險防范
與控制進(jìn)行研究，就有十分重要的理論及現(xiàn)實意義。
本文首先在考察人在自然界的演進(jìn)和人類社會不斷進(jìn)化發(fā)展的歷史
進(jìn)程中所具有的重要性，尤其是在金融業(yè)的安全、穩(wěn)健運(yùn)行中的作用的基
礎(chǔ)上，對銀行員工素質(zhì)進(jìn)行了關(guān)注并予以解析.由此提出了“銀行員工素
質(zhì)風(fēng)險”這一概念，并加以定義。對銀行員工素質(zhì)風(fēng)險的特征及含義進(jìn)行
了理論綜述。其次，在調(diào)查研究的基礎(chǔ)上，從人員的歷史形成和現(xiàn)實狀況
在文化知識水平、知識結(jié)構(gòu)、業(yè)務(wù)素質(zhì)、職稱等層面詳細(xì)介紹了中國銀行
宣城分行員工素質(zhì)的狀況及由此可能存在的風(fēng)險，并從我國歷史制度和傳
統(tǒng)管理體制方面對其成因進(jìn)行了較為詳細(xì)的分析。隨后，提出了對這一風(fēng)
險進(jìn)行管理，指出了具體的風(fēng)險管理方法:識別、評估和處置。最后，根
據(jù)在市場經(jīng)濟(jì)條件下現(xiàn)代競爭的特點(diǎn)，針對國有商業(yè)銀行所面臨的最大問
題即人力資源管理問題，并以此為關(guān)鍵，用定性和定量分析相結(jié)合的方法，
建立了銀行員工素質(zhì)風(fēng)險防范控制體系.試圖構(gòu)造出有競爭力的人力資源
管理制度，從而達(dá)到防范控制員工素質(zhì)風(fēng)險的目標(biāo)。
【關(guān)鍵詞】:中行宣城市分行銀行員工素質(zhì)風(fēng)險防范與控制
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1導(dǎo)論···································································……
1.1選題的背景及研究的意義·······················································……
1.2研究的內(nèi)容及寫作的框架·······················································……
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1.3研究的方法···············································································……
2銀行員工素質(zhì)風(fēng)險的含義，特征和內(nèi)容········……
2.1關(guān)于銀行機(jī)構(gòu)中“人”的重要性···········································……
2.2銀行員工素質(zhì)風(fēng)險的含義·······················································……
2.2.1銀行員工素質(zhì)······························，·····································……
2.2.2銀行員工素質(zhì)風(fēng)險··························································……10
2.2.3銀行員工素質(zhì)風(fēng)險同銀行經(jīng)營活動的關(guān)系··················……12
2.3銀行員工素質(zhì)風(fēng)險的特征·····················································……14
2.4銀行員工素質(zhì)風(fēng)險的分類·····················································……巧
2.4.1業(yè)務(wù)素質(zhì)風(fēng)險·····························，····································，··…巧
2.4.2職業(yè)道德風(fēng)險··································································，··…17
3中行宣城市分行員工素質(zhì)風(fēng)險的現(xiàn)狀··········……20
3.1員工素質(zhì)的基本狀況·····························································……20
3.2員工素質(zhì)風(fēng)險·········································································……24
3.2.1文化水平引致的風(fēng)險······················································……24
3.2.2知識結(jié)構(gòu)引致的風(fēng)險······················································……27
3.2.3道德水準(zhǔn)引起的風(fēng)險······················································……29
4中行宣城市分行員工素質(zhì)風(fēng)險成因分析······……32
4.1計劃經(jīng)濟(jì)運(yùn)行模式的影響·，···································，···············……32
4.2忽視管理風(fēng)險和對高層管理者的監(jiān)管·································……35
4.3經(jīng)營管理粗放·········································································……37
4.4缺乏金融人才管理機(jī)制·························································……38
5中行宣城市分行員工素質(zhì)風(fēng)險管理··············……42
勺白內(nèi)J內(nèi)J44d.5.1風(fēng)險管理的概念··········……
5.2銀行員工素質(zhì)風(fēng)險的識別
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