Research On The Individual Financing Business Development And Regulation Of Commercial Bank Of Our Country

Reform and opening up in China brings the high-speed economic development, makes our country income a higher level. The development of the economy and the reform of the system make people more concerned with their own financial situation, and be satisfied by the savings methods to increase wealth, and the urgent need through multi-level and diversified financial investment tools make the future life more security, as well as expand investment source of revenue. But, faced with increasingly complex market environment, personal professional knowledge is very scarce, therefore, for professional financial institutions to specialization, personalized financial services become necessary.This article attempts through the analysis of the development of the personal financial management business, the contrast of the development of the personal financial management business abroad, to learn advanced of the personal financial management business regulatory experience, for the government supervision department, commercial bank’s internal control mechanism and market risk supervision of research and system, this paper established a trinity of regulatory framework pattern, so as to realize commercial bank financing market regulatory goals. The theory and practice method, analysis of commercial Banks’ personal financial management business risk and its regulatory theory development process, explore regulatory the concrete measures and methods; The quantitative analysis, and on the basis of qualitative analysis, as in the main analysis method:comparison method, using the research methods of history and reality:comparison analysis method. Through the analysis of foreign commercial bank financing business risk supervision of regulating means, successful cases, and find our country commercial bank of the personal financial management business risk supervision of the existing gap, puts forward the banking regulatory commission in the commercial bank financing business regulation Keywords:individual financing business development risk supervision.