金融服务业BPO的非系统性风险分析与管理

金融服务业的发展体现出强化核心业务,发展外包业务的明显特征。分析国内外金融机构BPO模式现状,实施BPO面临的主要风险为宏观风险、行业风险和金融机构风险。其中金融机构风险是非系统性风险,也是金融BPO业务中的主要风险。包括:战略风险、决策风险、声誉风险、合规风险、操作风险、退包风险、信用风险、履约风险、人力风险、财务风险、合同风险。运用风险规避、风险度量、内部控制、外部监管等方法进行管理。

Management and Non-systemic Risk Analysis on BOP Model of Financial Service Sector

Financial globalization and intensity of competition make the financial services development incarnate the features of strengthening core business and develop outside parcel business.This paper firstly analyzes the actuality of home and abroad banking institution BPO models,and then raises the viewpoint that the main risks face when actualizing BPO is non-systemic risks.The main risk is strategic risk,decision risk,reputation risk,compliance risk,operational risk,risk retirement packages,credit risk,performance risk,human sacrifices,financial risk,and contracts risk.In the end,it manages the controllable risk by using the methods of risk measurement.