The Research Of Risk Management About The Financial Product QDⅡ For The Bank Of A

This paper demonstrates that there is a gap between the current financial system and the risk management of QDII financing products, beginning with cases of financial management of QDII products of Bank A, summarizing the development of emerging QDII financing products at home and abroad against the background of control and analysis of risks existing with financing services, focusing on an in-depth analysis of the failure of QDII products of Bank A. The importance and research significances of risk management of QDII products are discussed and the urgency and necessity of enhancing risk management of QDII financing products of China is emphasized.This paper applies the theoretical accounting knowledge to the financial risk management of QDII financing products, arguing that he risk management of QDII products should be included as an important part of the financial risk management in the accounting system. Data concerning the QDII products of Bank A in the three stages, including data concerning the design investment on the early stage, losses in the middle stage and the delivery of products on the final stage, are analyzed. And establishes the major feature of QDII banking products: Generating proceeds depending on overseas investment, which renders such products another feature:great volatility, largely subject to the fluctuation of the overseas market. The instability of overseas markets renders such products the possibilities of both more significant proceeds and losses. The paper concludes that the characteristics of the risks QDII products of Bank A are exposed are uncertainty of the proceeds over the products, ambiguity of information concerning the objects and irrationality of related risk management.Through research and analysis, this paper proves that blind development and launching of QDII products on the financing market of China with an incompetent management system exposes such products to huge risks. Besides, the cases of QDII products of Bank A deserve scrutiny. It is a imperative task for the financial industry of China how to effectively enhance the risk management of domestic financial institutions investing overseas.