The Strategies And Study Of Personal Financing Venture Management In Commercial Bank

With the launch of China’s financial reform and opening to the outside world as wellas the deepening of the concept of economic capital, VARious measures have beenintroduced to promote financial innovation, innovation environment of banking industrytends to loosen, the personal financial management business of potential students. Theso-called personal financing business of commercial banks, is refers to the analysis,commercial banks for individual customers of financial planning, investment advisory,asset management and other professional services. In the western developed countries,personal financial business has been very mature, tens of thousands of kinds of financialproducts, and has formed a perfect risk management system. The business is still at thestarting stage in China, although in recent years the financial products circulation explosivegrowth, but with the product risk is also growing, at present, the risk management offinancial products has not attracted enough attention of domestic commercial banks. Theauthor tries to describe risk management problems in the personal financial business of thecommercial bank from the financial point of view of the customer, and puts forward thecorresponding solutions..This paper starts from the characteristics of personal financial business of commercialbank financial management products, talked about the status of financial products, and thedevelopment trend of a detailed review of financial products, at the same time, theevaluation indicators and the expected rate of return confirmation basis, these will help todeepen the bank financial products operation rules and existing problems of understanding,for commercial banks to improve financial product risk management ability and provide thedecision basis for customers in the selection of bank financing products. Then, combiningthe personal financial market financial products, the actual case analysis of the main risksof personal financing business of commercial bank in, namely market risk, credit risk andoperational risk, and emphasizes the importance of risk management of personal financialbusiness of commercial banks. Finally, the risk assessment attributes on domestic bankingfinancial customer analysis based on the proposed method, the commercial banks toenhance risk management of personal financial services capabilities, and the establishmentof the asset allocation model based on VAR method.Personal financial business of commercial bank is a business innovation, riskmanagement of personal financial management services is the priority among priorities of bank management. This paper discusses the risk management based on VAR for customerasset allocation point of personal financial services have practical function.