Our Country Commercial Bank Personal Financial Business Law Risk And Its Prevention Research

Commercial Banks of the personal financial management business in recentyears is commercial bank service innovation varieties. Commercial Banks will thepublic to raise money for the customer focus on investment, management, and afterthe investment horizon in overall allocation. In individual financial productinvestment period, commercial bank is responsible for the management of the assets,so that from the legal Angle to strengthen of commercial Banks’ personal financialmanagement business risk prevention is necessary. From the legal aspects of thepersonal financial management business regulation can not only effectively guardagainst the risk, also can dissolve in the field of the personal financial managementbusiness risk.This paper focuses on how to strengthen the personal financial managementbusiness risk prevention law discusses strategies. This article through theunderstanding our country commercial bank individual financing businessdevelopment present situation, analyzes our country commercial bank of thepersonal financial management business of the real nature of law. In addition, thisarticle investigates the personal financial management business the necessity of riskanalysis, and the law at present situation in our country, puts forward the commercialbank of the personal financial management business risk prevention legalcountermeasures. Main contents are as follows: first, this paper describes themeaning of the personal financial management business in China, and summarizesthe business bank of our country the classification of the personal financialmanagement business. Second, this paper describes the commercial bank law of thepersonal financial management business nature of debate and analysis of variousdebate legal basis, based on the law of our country actual situation, the papersummarizes the legal nature of the personal financial management business, find outthe legal basis of our country’s legal supervision. Third, China’s commercial Banks of the personal financial management business to strengthen the necessity of legalprotection. This part of this law by existing defects of the personal financialmanagement business, analysis of risk and harm, thus finally concluded that muststrengthen the legal aspects of prevention. Fourth, based on the reality of our countryputs forward relevant strategies to prevent risks.Our country commercial bank of the personal financial management businessrisk prevention legal countermeasure is a very important topic. Because ofcommercial Banks in individual financing business development changes with eachnew day, the financial products structure protean varieties, and along with thedevelopment of China’s financial situation, our country need to adjust to thesupervision of the law mode, in order to guard against financial risk finally paid therole.