Commercial Banks Rmb Financial Products Market Risk Management Studies

This paper begins with the situation and existing problems of the risk management to measure the size of the risks of RMB financial products by learning the reference of risk management methods from domestic and foreign . Combining qualitative analysis and quantitative analysis methods to reach a conclusion about the size of the risk and the problems requiring attention when manage the market risks of RMB financial products. Finally this paper puts forward the risks control measures of RMB financial products.This article thinks that, although China's regulators strict audit the qualification of issuing RMB financial products is got by commercial banks, currently, China's regulators don't have enacted regulars of managing the market risk of RMB financial products; The commercial banks eager to issuing RMB financial products, there are not enough professional financials to managing money in the commercial banks. In order to attract more investors to buy RMB financial products, they tend to exaggerate the expected rate of return and not mention the risks of the financial products, so misleading investors think that yields of RMB financial products is high, without risk. Because RMB financial products are issued so later, commercial banks not have the mechanism of managing the market risk of financial products; The knowledge of RMB financial products is knew by investors so little, when they buy RMB financial products, because listening to the sellers, they not to buy RMB financial products suitable themselves.In measuring the risk of RMB financial products , this paper takes the RMB financial products"DE LI BAO XIN LV"issued by China's traffic bank in 2009 and"XIN YI"hen tong 2009 thirteenth period issued by Shanghai agriculture and firm bank for example.According to the Modified duration formula to calculate the RMB financial products to measure the interest-rate risk. and take qualitative analysis of the exchange rate risk of the QDII type, the interest-rate risk of stock hook type, and the commodity price risks of the unfixed income securities type and the unfixed income trust type .and to point out the shortcomings between the supervision department, commercial banks and investors in risk control management which lead to risk control insufficiency .Finally, according to the status and problems of management to market risk of RMB financial products in our country, and the size of market risk of RMB financial products. In order to control the market risk of RMB financial products, I put forward related measures.