Research On Legal Control Of Personal Financial Management Risk Of Commercial Banks In China

With the development of economy, our income level growing continuously in recent years, the scale of individual financial business began to expand in the commerial Banks. But it appeares some problems:the supervision system of individual financing business is at a low level, and operability is not strong. Some functions of major financial institutions regulatory overlap, and supervision is not good. The part of the legitimate interests of investors can not get effective guarantee. Most commercial Banks will complete assessment tasks with high-interest financial products. And there are still Inadequate of risks prompted, misleading marketing and inadequate disclosure of information. These problems has caused serious influence to the health development of individual financing business, and has done harm to the interests of investors. To solve the problems above, this paper based on the theory of commercial bank personal financing business risk, and summarized the existing problems, and analysied the main reason. Finally, countermeasures and suggestion were put forward combining with international cases of commercial Banks individual financial business.In this paper, the text is divided into four parts. First part mainly include the concept and the classification of the commercial bank personal financing business, expound the related basic theory about the risk of commercial bank personal financing business. The second part highlights the main reasons of the problem by reviewing the development history of individual financing business, combining with its development present situation and existing problems. The third part put forward the experience which can be reference for our country by comparing commercial bank individual financing business development and risk control experience in the developed countries. The fourth part put forward the legal countermeasures and suggestions by combining with the current our country commercial bank individual financing business risk control in the existing problems about perfecting the financial legislation in further, improving the financial regulatory system, strengthening the internal control of financial institutions, and constantly improving the level of investors' own quality business and so on.