Research On Risk Management Of Personal Financial Business In HTABC Bank

In recent years, the banking industry in our country has been developing rapidly, and each bank has begun to carry out the financial services that accord with their own characteristics. In addition, with the continuous improvement of living standards, financial products, customer groups are also growing, with a very good development prospects.However, financial services are often faced with many market risks, and showing a growing trend. Therefore, it is a focus of attention of all circles to analyze the problems in the process of financial management and to find solutions to the problem and to avoid the risk.On the basis of full use of previous research literature and data, this paper will analyze the HTABC bank as the target, and combine several analytical methods, such as literature research, questionnaire survey, etc., and the full range of understanding and risk management of financial products related to a series of content. Firstly, the research background and significance of this paper are summarized, and the domestic and foreign research situation of the risk management of commercial banks’ personal financial management is analyzed, and the research contents and methods of this paper are briefly introduced. Secondly, through the analysis of the concept, classification and characteristics of personal financial services, the concept of risk management, risk identification and evaluation of the relevant theory of risk management, and explore the concept of the risk management of personal financial business, the Commercial Bank of personal financial management business risk management, and thus to lay a theoretical foundation for this paper. On the basis of the analysis of HTABC banking and personal financial services,HTABC bank’s personal financial services are mainly composed of bank financial products,fund products, insurance products, financial products, trust and financial products. HTABC bank personal financial management system has been formed, and the risk management system has been established. However, the risk management of HTABC bank is still lack of risk management. Fourth, through the analysis of the risk management related factors of personal financial management business of HTABC bank, the risk management of personal financial business of HTABC bank is analyzed, and the risk management of bank’s personal financial services is mainly internal institutional risk, operational risk, liquidity risk, external policy risk, exchange rate risk, interest rate risk and inflation risk. Fifth,using the analytic hierarchy process to construct the risk assessment index system,construct evaluation matrix, determine the index weight, calculate the evaluation results, analysis and evaluation results, through the analysis that the HTABC bank personal financial business risk management in the internal risk factors, the impact of the risk management, including liquidity and internal system of the overall risk is particularly significant. Sixth, on the basis of risk identification and risk assessment of HTABC bank personal financial management, this paper puts forward that the risk management of personal financial services should strengthen the internal self supervision, optimize the internal control system, analyze customer needs, explore the customer value, implement the legal environment, improve the legal environment of personal financial management,improve the response mechanism of the capital market, strengthen customer investment type evaluation and so on. At the end of the paper, the research conclusion and research prospect are put forward.