Risk Prevention Research Of Financial Business In Stated-owned Commercial Bank

In this paper,I mainly combine the theory and practice,especially use Agricultural Bank of China for case.it point out the existing risk management business and puting forward a series of operational risk response measures, all of that want to get a result that the commercial bank develop without a hitch.The first section is the foreword,which recommend the background, through to study the domestic and foreign related academic thesis,we can clarify the financial business content, By study the financial status of domestic and international business,especially we take the bank of ABC for example,the result is we find the innovation,but there must be some insufficiency for us to improve; The second part introduces and analysis the basis theory of the commercial bank financial business in our country and the risk of introduction. The introduction of the Maslow’s hierarchy of needs theory and Marco Fitch (Harry Markowitz) portfolio theory, they can help some bank customer manager understand and effectively allocate customers to realize the true value of the assets. There are risks including reputation risk, operational risk, legal risk, market risk and so on; The third part tell us the present situation of the ABC’s financing business risk management. According to the Agricultural Bank of China’s financial products, we take out the risk of the bank wealth management business and analysis the risk factors. Focusing on the foundation of the risk of financial products and financial products risk analysis of heavy metals; Because of above risk factors of ABC,The fourth part puts forward the countermeasures; At last, we get a conclusion of the paper and a expectation to go on with.With the rapid development of China’s financial liberalization and financial internationalization, foreign merchant bank come into china and accelerate the pace of development of Chinese merchant banks, especially in recent years, the amount of china enlarged a lot,the income that people can dispose increase quickly,it take a result that people accumulated many wealth,so they do not satisfy what they possess,they hope more channel to deal with their assets,they need more professional people to help them,all of this is to be promote the market of conduct financial transaction.However, Chinese people is late to conduct financial transaction, all the financial legal system or supervision system or the level of market development are not perfect, constraints existed on various aspects, at all, there will be many kinds of risk inevitably. In the financial products now, each bank to yield a blind or vicious competition standard brings new risks for commercial banks. For majority people, a bank,especial to a state-owned bank,it is the sign of security.the bank financial products is the traditional savings alternatives, the risk is very low even no, which will undoubtedly increase the risk of commercial bank financial business. In view of all that,researching on how to perfect the mechanism of scientific risk of merchant bank financing business, how to improve the commercial bank financial business in the ability to cope with risk and manage scientific risk, apply more strength to supervise the financial business, meanwhile, enhance the popularization and the conscious of financial risk, which is the foundation to guarantee a healthy and orderly evolution of commercial bank financing business norms. there is a key significance to encourage a quick development of merchant bank rapidly.