Research On Risk Prevention Of Personal Financial Business Of The Bank Of Gansu

At present, China’s commercial banks are highly competitive mode, so that the development of the traditional banking business profit space is gradually declining. Commercial banks need to find new business development channels, the personal financial management business is a good choice. Personal financial business of commercial banks do not need to use its own funds, often makes the commercial banks do not give enough attention to the potential risk, the smooth development of the commercial bank financial services is extremely unfavorable.The Bank of Gansu is the provincial legal person shareholding commercial bank which is in the direct management of Gansu provincial government, is currently in expansion, growing stage, the personal financial management business should become the important measure to seize market share, and has achieved some success. But also should see the risk of personal financial business of the Bank of Gansu is also increasing in the of background of homogenization of serious, supervision departments to strengthen supervision.Therefore, make a in-depth study of the potential risk of personal financial business of the Bank of Gansu, in order to has a certain practical significance which provide reference for risk prevention measures for the Bank of Gansu.This paper is divided into six parts:the first part introduces the background, significance of the research, the relevant domestic and international literature review. The second part is the Personal financial business of commercial banks, personal financial services defined categories, personal financial business risk control means. The third part is based on the introduction of situation of the development of personal financial business of Bank of Gansu, analysis of existing problems of the personal financial business. The fourth part is the potential risk of personal financial business of the Bank of Gansu faces. The fifth part is the internal and external causes of personal financial risk of the Bank of Gansu, mainly from the two aspects of the bank of Gansu itself and the external macro financial environment analysis. The sixth part according to the risk analysis put forward that the risk prevention mainly from the expansion of the scope of personal financial services; the design and development of financial products; sound risk control system; the cultivating of high-quality and professional management personnel.