Commercial Bank Asset Management Business Operation Model Of Risk Research

Since the second half of 2012, China’s regulators for asset management market, has la unched a series of new regulations, the New Deal was gradually broke all financial instituti ons are independent of each other in the field of asset management business, shall carry ou t the "two-way open" part of the asset management business. Commercial Banks, trust com panies, securities companies, insurance companies, fund subsidiary successively to expan d asset management business, and launched a fierce competition, and financial institution s are removed between asset management products long-term closed development barrier s. Value of all financial institutions under the New Deal license, gradually into the era of "i nfomation technology" in our country.In recent years, however, about the asset management products (hereinafter referred t o as "information products") have complaints, this also fully exposed tube product has man y loopholes. Banks, for example, information product high net worth mark was largely invi sible, "private tailored" become a high interest rate deposits shield; Information product pr opaganda just emphasizes the expected return, risk did not provide the necessary explanati on; To become a mere formality, investors’risk assessment recommended investors inappr opriate information products; Class credit asset management products is difficult to deal wi th the principal revenue, but due to various reasons such as society, regulation, investors i n honour, and so on.In this paper, under the background of the "information age", banking asset managem ent business in China as the research object, based on the current our country commercial b ank information of the existing three major operation mode (ie, bank credit asset managem ent products, credit asset management and investment trading assets management product s) are studied, and according to the different business model to explore the risk characterist ics and bank asset management business risk potential of the industry. At the end of the pa per according to the information of the existing commercial Banks risk characteristics of th e three operation model put forward the corresponding risk prevention and control strateg y, and at the macro level, the hidden trouble in bank asset management industry, the impro vement measures are put forward, namely by building perfect risk governance structure; In novation risk management tools, and enhance the risk ability to dissolve; Order to break th e "rigid redemption" asset management products; Strengthen the transparency of assets ma nagement products operating; Forcing asset management products information disclosure t ransparency; Build big financial regulatory mode to risk prevention and control of asset ma nagement business industry.