| Along with the continually fast and healthy development of our national economy, inhabitant’s savings rapidly increase and the financial service demand, as well as the idea of modern finances management becomes stronger and stronger day by day. Therefore, personal financing business will be a key point in the total development of commercial bank. However, the initial stage of domestic individual financing business together with explosive growth of financial products render diversified risk to national commercial banks, including imperfect legal system, defect regulatory mechanism, lagged financial management, and problems related to itself.At the same time, the capital chain in the real estate market and private enterprises becomes more and more difficult in the perspective of our country’s current economic situation. House prices and the stock market continuously deteriorated, and the international economic crisis frequently emerged. Personal financial business closely related to the economic situation is being challenged and full of variables. How to effectively prevent and control the risk of personal wealth management in commercial bank has become an important research subject and unavoidable problem in China’s commercial bank.To investigate an effective solution and strategy for the mentioned problems and crisis above, the present study firstly introduces the personal wealth management business of commercial banks and its risk classification, and summarizes the actual situation, problems and crisis of our commercial banks in recent years. Furthermore, the author studied the existing risk management theory, and investigated the course of personal wealth management risk control from foreign advanced commercial bank, mainly including experienced and long-lasting countries of financial business risk control such as United States, Japan, and Taiwan. Their outstanding achievement and management experience on wealth management risk control was summarized, which will provide an example for our commercial bank. However, there existed total difference of economic development situation and banking risk control status between our country’s and foreign developed countries. Therefore, risk management of personal financial business can not be completely copied from foreign experience. In order to promote risk management ability of China’s commercial banks, narrow the disparity home and abroad, and enhance the international competitiveness, this article further analyzed the present situation of personal financial business risk control in our country’s commercial bank, then summarized our strategy for personal financial business risk control in commercial bank.To make the research be of more guiding significance, and further enhance the practicality of this paper, the present study focuses in depth on the following three main risks of personal financial business, which belong to the greatest, most affected and frequent area such as operational risk, market risk and reputation risk. In the analysis of our national condition, we put forward some specific risk control strategies to promote healthy development of personal financial business of our commercial banks.Finally, the author analyzed the operational risk circulation management system in ZG Bank as for the operational risk aspect according to her working experience as well as internal investigation of personal financial business in ZG Bank. The risks among personal financial business have also been analyzed in terms of the current regulations and bank business situation, and risk rating system of ZG Bank has been introduced. Some suggestions in relation to financial product access, design, financing capital operation and financial product sales in the process of contract are put forward. The present study attempted to explore and summarize the risk control countermeasures fit for the personal financial business of state-owned commercial bank by analyzing the actual example of ZG Bank in order to improve the management level of business risk control and strengthen the financial business risk control as for key business, which could provide the guarantee and cornerstone for the healthy, orderly and stable development of our personal financing business of commercial bank. |
