Research On Internal Controls In Financial Product Sales Of KL Bank

The continuous development of commercial banks has expanded the scope of their businesses,while the continuous increase in the level of residents' income has made their investment needs more and more diverse.The enthusiasm in “financial management” arises from the bank's increase in revenues,while the banks also have to pay attention to the loss caused by the risk prevention.Therefore,the main research object of this article is KL Bank's wealth management products.Through the observation of its sales process,it draws scientific and intuitive conclusions.It discovers the problems that arise in the bank's internal sales process of financial products,and makes corresponding solutions to the management plans,and finally achieves guarantees.The purpose of the smooth sales of KL Bank's wealth management products is to ensure KL Bank's sustainable development.First,this paper introduces the research background and study significance,as well as domestic research on the related aspects of bank internal control,describes the research content and methods of this paper,and describes the research theories related to internal control evaluation in detail.The basic theories and methods this paper uses is the analytic hierarchy process and fuzzy comprehensive evaluation method.Secondly,through the research on the actual sales of KL Banking products,this paper fully understands the status of its internal control in the sales cycle,finds out the problems that arise in the development process,and establishes and perfects the index system of internal control evaluation of KL Bank according to the actual situation.Then use the Analytic Hierarchy Process(AHP)to compare each element of the index system with each other,analyze the importance of each element scientifically.Finally,the results of the research and judgment were analyzed using the fuzzy comprehensive evaluation method.Thirdly,through in-depth discussion of the research results,this paper finds KL Bank's problems in control process of financial products within the sales process,then proposes solutions that can solve related problem.Finally it shows the research results and conclusions of this paper.