Research On Risk Control Of Personal Financial Services Of Commercial Banks In China

In recent years,with the deepening of reform and opening up and the continuous improvement of the capital market,China's economy has made remarkable achievements,people can greatly increase the income and wealth level control,financial awareness is gradually awakening from the past,only rely on bank deposits to actively seek for wealth preservation and appreciation of the channel under this background,China's financial industry began to flourish.Compared with the western developed countries,although the personal financing business of our commercial banks started late,they developed rapidly.However,the rapid expansion of personal financial business to the commercial banks has brought about great development opportunities and good operating income at the same time,the problems are gradually exposed,especially in recent years is the emergence of a series of "zero profit" and"negative return of financial products,while 2012 Huaxia Bank financial products default case in 2017,the people's livelihood the bank fly single case of major events have aroused widespread concern in the market of financial products risk itself,the public security of the bank's financial products have been questioned,because of the existing regulatory system is weak,the commercial attribute of personal finance business is relatively complicated,it has gradually become the major risks of commercial banks personal financial business development the.Therefore,strengthening the risk control of personal financial services of commercial banks is of great significance to the sound and rapid development of personal financial services of commercial banks.However,at this stage in the risk control of personal financial business of commercial banks in China,there are some problems need to be solved,for example,customer risk assessment is not in place,the information disclosure is not perfect,financial manager behavior is not standardized,risk control ability,high storage and so on,if these problems can not be solved properly,the personal financial services of commercial banks will still be at risk of exposure.Under this background,to study how to learn from western experience,put forward reasonable measures to control the risk of commercial banks,improve the-existing risk control methods,maintenance of financial security and the rights and interests of investors,is the urgent need to solve the development of personal financial services in commercial banks,this paper also tries to solve the problem.The full text is divided into six parts.The first part is the introduction,mainly introduces the research background and significance,research status and research ideas and content;the second part introduces the concept,types and characteristics of personal financial services of commercial banks,and briefly introduces the development history and status quo of China's commercial banks personal financial business;the third part mainly introduces the existence of the risk source and risk control of personal financial business of China's commercial banks in question,including customer evaluation is not in place,the information disclosure is not perfect,the sales behavior was not standardized,risk control ability weak,high interest Lanchu common problems,and briefly analyzes the related reasons;the fourth part of the advanced experience of developed countries and the area is summarized,in order to provide a good reference for China's commercial banks;the fifth part for the personal financial business risk control.In the question,from the commercial bankinternal environment and the external environment two aspects proposed the corresponding countermeasure and the suggestion;the last part is the research summary and the prospect,has carried on the brief summary to the full text.