The Study On Risk Control Of Personal Finance Service Of S Ban

With the continuous progress of the reform and opening up,the rapiddevelopment of financial markets, the people continue to accumulate personal wealth,a single savings products have been unable to meet the growing financial needs ofmulti-level diversification. More and more people choose to invest in the bank’sconsumer financial products. S Bank as joint-stock commercial banks leader, personalfinance is to fully tap the huge potential market, personal finance business hasbecome its major profit center revenue growth point. But there is no free lunch,personal finance business expansion to the S bank brought huge profits, there are alsoaccompanied by various types of risks arising from financial operations and riskmanagement issues arising.This theory with practice, from the bank perspective, combined with vividexamples occur S Bank, recognizing the status of S after banking wealth managementbusiness, identify problems and risks, risk analysis reasons, to develop a series for theappropriate measures to resolve the problem, the S personal Financial Servicesdevelopment Bank has played a guiding role.S Bank as a joint-stock commercial banks listed on the first batch, and thehistory of its development model it has the characteristics of commercial banks. Fromthe overview of the situation starting S Bank, focusing on the status of personalfinancial services and products, financial aspects and product segmentation featuresfound in many aspects of product design, finance pre-sales promotion, riskassessment, quality of personnel training and other financial risk. Will be classified as market risk, legal, operational, credit, information transfer five categories of risk. Inrisk classification, based on the analysis of S banks exist in risk managementproblems. Analysis of risk management issues and focus on the causes, starting fromthe external and the internal control environment in the discussion from the riskanalysis, internal control system, the quality of personnel training and other aspects.The authors combine work experience in foreign banks and financial S banks to abroader perspective, analyzing those risks S Bank Personal Finance currently exist,for the control of environmental issues, risk assessment, control activities,information and communication and monitoring problems and other issues forin-depth analysis, and then combined, learning foreign advanced and mature riskmanagement experience in financial services, financial risk management to localconditions to solve the problem of the S-Bank, through internal and externalenvironment, processes and systems to improve the number of S Bank personalfinancial services to ensure an orderly, healthy and regulate the development offinancial services to promote the rapid development of great significance.This paper is divided into four parts, the first part of the introduction, mainly onthe research background, significance, to be resolved to make a brief introduction.The second part introduces S bank’s wealth management business overview, financialbusiness risks and risk management issues. The third part of the S wealthmanagement business risk management issues for analysis. The main issues include:control environment problem analysis, risk assessment, control activities issues,information communication and oversight issues. The fourth part discusses S BankingFinancial Services Risk Management Countermeasures.