| With the rapid development of economy in our country, the national standard of living rises ceaselessly, disposable income is on the rise. China’s per capita disposable income of urban households in2012reached36469RMB, urban and rural residents savings deposit balance at the end of2012also broke through40trillion RMB. Household disposable wealth increases, the value become the urgent needs of the residents, this is our country commercial bank’s personal finance product development brought great impetus, but risk factors also will increase.This paper discussed through to the commercial bank individual financing business risk, especially the risk caused by information asymmetry problem and its prevention. Bank financing business mainly has two Banks and investors in the main body, bank in terms of quality of information and information from relative advantage position, while investors in a relatively inferior position. How to carry on the risk supervision in order to solve this problem is to improve the whole assembly is important part of banking risk management level, strengthen the supervision of financial product information disclosure,, standardized development, to promote the rapid development in our country commercial bank financial products in the specification is of great practical significance.Comprehensive understanding of right bank personal financing business information asymmetry problems in the premise is to ensure its healthy development. In this paper, it is for this purpose, to bank personal financing business in the design, distribution, management and so on each link the problems of asymmetric information makes a deep analysis, analyzes its present situation, and through the study for the current status of regulation in our country, combine the experience of developed areas in financial disclosure, from set out actually, to perfect our country commercial bank individual financing business puts forward constructive Suggestions. |
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