The Study On Risk Management Of Personal Financial Service Of Agriculture Bank Of China BZ Branch

With the rapid development of China’s economy, residents also continue to accumulate wealth, savings in bank has been unable to meet the investment needs of the population. Our residents have stronger financial needs. In order to meet the growing market demand, China’s commercial banks have assessed the situation and produced a broad range of financial products by using their own advantages. Among them the Agricultural Bank BZ branch treated the financial products as one of the strategic focus of the development of the retail business. As a new commercial banking business, there are certain risks in the product design, sales and other areas of financial products. How to control the risks in personal financial service has become the urgent problems to be solved for commercial banks, Whether to achieve the stability and development of the entire financial market, or operate ABC BZ branch itself smoothly, this study on the risk management of personal financial service owned by ABC BZ branch has important theoretical and practical significance.Based on the commercial bank personal financial service risk management theories, this paper has analyzed the current situation of personal financial business, the risks of personal financial service and the risk control status of ABC BZ branch, pointed out existing problems, than put forward some suggestions for ABC BZ branch personal financial service risk management combines the advanced personal financial service management experience home and aboard. This paper is divided into five parts:the first part is the introduction which introduces the research background, research significance, research ideas and research methods; the second part introduces the basic theory basis of personal financial service risk management; the third part introduces the current risk management situation about personal financial services of ABC BZ branch, focusing on the analysis of the main risks and current situation of risk control of personal financial services, and pointed out the existed problems and reasons of personal financial services of ABC BZ branch; On the basis of above analysis, the fourth part puts forward some suggestions on the risk management of personal financial business of ABC BZ branch, according to the advanced experience of personal financial business risk management of other banks home and aboard, and the fifth part is the conclusion and outlook.The characteristics and innovation of this paper include:firstly, the content materials of this article is novel and are in line with the actual situation of the current financial market. So the paper has certain significance for the healthy development of the commercial bank in our country. Secondly, speaking of the research approaches, this paper combines the method of normative research with case analysis, applies theory study to practice analysis. With the aid of my work experience as the personal finance manager of ABC BZ branch, it can accurately obtain the main problems and risks in the personal financial services of ABC BZ branch and analyze the reasons, than put forward targeted suggestions.