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1、论我国商业银行个人理财业务风险控制（Risk control of personal financial services in commercial banks in China）I. The main risks faced by banks in developing personal financial servicesThe risks faced by banks in personal financial activities can be divided into the provision of consultants and the process of consultin
2、g servicesLegal risks, operational risks and reputational risks are also included in the banks own financial planning or product developmentThe market risks, operational risks, credit risks, liquidity risks, etc. of the relevant trading instruments, andCommercial banks carry out other risks associat
3、ed with investment operations and asset management.(I) market riskAt present, subject to laws, regulations and financial policy restrictions, the RMB financial products are stable investment incomeCentral bank bills, financial bonds and other selling points, the central bank bills and treasury bonds
4、, although there are national creditTo support, but not without market risk, the supply of bonds, price index, interest rates and exchange rate changesAction can lead to risk. RMB financial products mentioned the yield is basically expectedIf the financial institutions lack corresponding financial m
5、anagement experience, the market risk will increase accordingly.(two) liquidity riskTraditional bank financial products are mostly savings products. The biggest risk of savings based financial products is often thrownInvestors ignore that liquidity risk. Savings financial products often do not allow
6、 investors to terminate the merger in advanceSimilarly, the amount of money required by the bank financial products is also large, in urgent need of money investors, the product does not expire,Once investors put forward early withdrawal, they may face greater economic losses. In case of RMB savings
7、The deposit rate is greatly improved, so that investment products customers will raise the interest rate the opportunity return loss.If the interest rate of the bank increases again, the savings account may withdraw money immediately, transfer it, and choose RMB financingInvestors can not withdraw m
8、oney, interest rates higher than the income of financial products can not be obtained.(three) operational riskOperational risk is defined as due to internal procedures, personnel, system imperfections or errors, or external events.From the risk of direct or indirect loss, it can be seen that human i
9、s the core of operational risk management,It includes peoples morality, ability and the implementation of a good incentive compatibility framework. According to general understanding,Banks should, according to customer needs and the amount of money to customers tailor-made to determine the portfolio
10、 of customers.But in many cases, financial management belongs to the daily marketing, and banks, grass-roots outlets, financial planner oftenFrontline marketing staff concurrently. In the current assessment system, to finance customers, the first thing to think about is to promote salesTheir own pro
11、ducts, and secondly, the value-added of the customers property, it is difficult to adhere to the basic interests of investors priorityCriteria. Therefore, the bank is often caused by the customer has changed the impression of a marketing approach, the desire to buy is notIntense. Under the pressure
12、of business indicators, even sell inappropriate products to customers. Practitioners RoadGermanys risk has affected the healthy development of the financial business to a certain extent.(four) legal riskDue to the restriction of Chinas financial legal system and management system, the legal risks of
13、 banking financing are very seriousA. Chinas policy of mixed operation has just been loosened, and the law prohibits commercial banks from directly carrying out securities and lettersAt the same time, commercial banks have no right to adjust the interest rate of deposits, plus the development of fin
14、ancial derivatives and OTC marketsThe degree is very low, the object of commercial banks funds for financial management is still very narrow, and the varieties are mainly national debt, financial bonds andCentral bank note. In this case, the legal risks faced by commercial banks are relatively large
15、. If it cannot be accurately definedThe nature of financial products, it is possible to make financial services and trust business, savings deposit business boundaries unclear,Once a legal dispute arises, it faces a threat of litigation and will be punished by the regulatory authorities. SilverThe s
16、ecurities, insurance and insurance businesses can not fully permeate each other, which constitutes a major obstacle for banks to engage in integrated financial managementRight.(five) reputational riskThe so-called reputation risk, refers to because of the operation mistake, do not perform on time, violate the rel
