Research On The Problem Of Risk Management Of Personal Wealth Management Business In Commercial Banks

Under the environment of global economic recession caused by European Debt Crisis,Chinese stock market has witnessed sharp shrinkage since 2010.The steep fall of international gold price makes gold investors suffer a great loss,the foams of real estate are increasingly aggravating,and coal market also sees downturn brought by new energy revolution.Under such background,the banks pay more attention to risk prevention and control instead of blindly laying emphasis on high rate of returns in terms of financial product updating.The circulation of some super short-term rolling financial products reduces sharply,and the expected rates of returns of the products also decrease to some extent.This paper consists of six chapters.Chapter One introduces the subject selection background of the paper as well as the research contents,research methods and the structure of the thesis.Chapter Two provides the specific definition of the risks of financial products,and outlines the characteristics of commercial banks as well as risk control strategies for financial products.It reinforces the theoretical research on the commercial banks' development of individual financial services by means of theoretical review and literature summary.Chapter Three concludes the status quo of risk control for the development of financial products in Chinese commercial banks currently based on the analysis on the internal and external predicaments of financial management in Chinese commercial banks.Chapter Four researches the risks that commercial banks may face during the development of individual financial services as well as the preventive and controlling schemes.It also proposes management suggestions for further perfecting the individual financial services in commercial banks.Chapter Five takes an example of summarize the experience in risk control for individual financial services in commercial banks,and proposes risk control suggestions against the management problems therein.Chapter Six is conclusions and prospects.This chapter summarizes this research and expects its application prospects in domestic commercial banks.Based on the actual conditions of financial foams in Erdos in recent years,the author probes into the distribution channels of individual financial products in Construction Bank as well as the control and management for the internal and external risks;then the author proposes some improvement suggestions for the control and management for the internal and external risks in line with the problems found,the author also proposes reform schemes with regard to the necessity of improvement for commercial banks under the new polices for financial products raised by the central bank(People's Bank of China).Moreover,the author expects and carries out trend analysis on future individual financial products in commercial banks in small and medium-sized cities which rely on the support of virtual finance such as Erdos,hoping to provide valuable reference.