Js Bank Personal Financial Services Risk Control Analysis

The financing business which derives from United States in 1930's, subsequently became a major source of profit in commercial bank. The commercial banks'financing business in our country has been fully developed in recent years. With the deep development of financial crises resulted from subprime lending crises in United States, capital and commodity markets are stepping down from high prosperity. The majority financial institutions such as Lehman Brothers have gone into bankruptcy, while Citibank as well as Royal Bank of Scotland have heavy deficit. Furthermore, the financial products of banks which have zero or negative profits have suffered a stack of complaints. The risk management on financial products and derivatives and their importance are gradually known to more and more people.This article summarizes the relevant literature about risk management of commercial banks'personal financing business, analyses the development process, internal and external environment and primary risk confronted by personal financing business, combined with the theories,methods and advanced banks'experiences in the aspect of financing risk management. Moreover, analyzing cases practically happened in the personal financing business, I put forward the countermeasures and recommendations to risk management of commercial banks'personal financing businesses.It was divided into 5 parts. The first part introduces the background of the topic selection, and the meaning,objective and methods of the research. The second part analyses the literature relevant to the risk management of commercial banks'personal financing business. In addition, risk management status quo in the personal financing business of our country, along with categories,sources and means of risk existed are analyzed. In the third part, the risk problems combined with the theory from the front chapter are analyzed through the commercial banks'personal financing business. Based on the theory of financing business risk management, the countermeasures to risk management of commercial banks'personal financing business are brought forward in the fourth part. In the last part, it summarizes the main conclusions and puts forward implications to steady development of personal financing business.Combined basic theory on risk management of commercial banks'personal financing business and practice of personal financing with the advanced methods and supervision requirement in the industry, it analyzes and discusses the risk problems existed in the development of commercial banks'personal financing business.