Research On The Law Risks And Countermeasures For The Commercial Business Of Financing In Our Banks

For commercial banks of our country, personal financing is a new way to increase their profit. However, this new chance makes our banks face a lot of risks such as the entrance of market, the design of product, advertises, sales, the use of financing capital and so on. The first thing to these risks is to perfect the related laws and regulations and improve the outside law environment of the business of personal financing in our bank with foundation of two laws for the commercial business of financing in our banks. For the same time, we should strengthen the citizens awareness of risks and the inside construction of the risk of personal financing, which would be an effective measure. At last, commercial banks should set up an effective control system to deal with the law risks to make sure the business of financing develops steadily.This paper did a lot of basic researches and theoretical researches on personal financing business of commercial banks, analyzed the law risks of the business and put forward some relevant countermeasures for the law risks. This paper adopts the research methods of the integration of theory and practice. Both theoretical basis on law risks and the current situation of the personal financing business of commercial banks are contained in this paper, which is used to support the author's views and conclusions.The main content of the article introduces as follows. First, a brief introduction on the personal financing business of commercial banks and its development in some western countries; Second, analysis on all law risks; Third, how to achieve the goal of controlling the law risks, including perfect the outside law environment, strengthen the awareness of risk prevention of both the banks and other parties, intensify the construction of inner control mechanism of the banks.