The Development Of The Commercial Bank Personal Financing Business And Risk Management Research

After the reform and opening up,with the rapid development of our country's economy,residents' income level has been greatly improved.People are not content with the money in the bank to get the interest,to seek more effective methods of asset management.It is in this background,the domestic began to constantly have a commercial bank personal finance service for the customer.At present,China's market economy development,which has given rise to the advent of personal finance business.Another aspect is the commercial bank developing an internal requirement.Commercial Banks in the process of development of the most important goal is to pursue the maximization of interests,and the continuous development of personal financial business in commercial Banks bring more development opportunities for the development of Banks,has brought the new profit growth point.At the same time,from the point of the external environment,the current domestic investment environment increasingly mature,scientific and technological level also constantly improve,this is the commercial bank personal financing business smoothly provides a strong power.However,it is important to note that in the financial field,the competition between different commercial Banks have entered the incandescent stage.With the expanding of China's opening up,foreign Banks into domestic market.In order to further improve their competitive ability,make the economic benefits of Banks have greatly increased,the development of domestic commercial Banks began to focus on the personal finance business.However,from a development point of view,the domestic commercial bank individual financing business development time is short,the platform is low,in the process of development has exposed many defects and deficiencies,in comparison with overseas Banks in the course of development of the business has a striking lack of experience,especially in the aspect of risk management is facing a great challenge and pressure.At present,the domestic financial markets gradually get rid of the past blind competition,aligning with the developing mode of systematization and standardization.However,this kind of situation in a relatively short period of time can't completely change,and bring a lot of risks of commercial Banks.Therefore,it is necessary to analyze the wealth-management business,promote the financing business risk management mechanism of standardization,financing business risk and improve the management ability,ensure that commercial bank financing business sustainable and healthy development,promote the business achieved great development in the specification.Therefore,this paper in-depth analysis of the current system of the actual situation of commercial bank individual financing business development present situation has carried on the analysis of its risk management.This paper firstly made a system of current Chinese and western researchers in the commercial bank individual financing business development and risk management on the one hand,the achievements of this;Secondly,this paper elaborates on the concept of personal finance,on the classification,and discusses the related concepts of connotation;Again,this paper analyzes the businesses in exposed a series of problems and deficiencies in the process of the development;Finally,based on the above analysis and explore on the basis of the author about the business risk,by means of factor analysis to build the commercial bank personal financing business risk management system,capital adequacy ratio as the dependent variable,the size of the loan,LDR,cost income ratio factors as independent variables,it is concluded that the influencing factors of personal financing business risk;Finally according to the main risk and our country's current financial environment,by means of the risk management of developed country for reference,the risk management of commercial bank personal financing business and development put forward some countermeasures and Suggestions.