Risk Analysis Based On Financial Product Trade Structure Of Commercial Bank

With the coming of the asset management era,Commercial banks' business model gradually turns to light asset model which mainly depends on asset management from the traditional model which utilizes credit business as the core financial product is the main form of asset management business.At the same time,China's urban and rural residents' saving surplus has been more than 40 trillion yuan.People have more spare money to invest,especially in financial products investment.The rise of financial products not only meet the investment demand of residents but also meet the requirements of financing demand of enterprises.As a financial innovation tool,financial products also bring commercial banks comfortable intermediate business income.Thus,commercial bank's financial products is developing rapidly in recent years.However,the development time of China's commercial bank's financial products is not long enough,the supervision system,laws and regulations are still imperfect.In the transaction of financial products due to complex legal relations which involves buyers,financiers,and third-party institution,whose hidden risks are worth concerning.This article firstly introduced and analyzed the credit risk,especially deal structure risk of financial products.Point out that the embodimenthttp://dict.youdao.com/w/embodiment/javascript:void(0);of deal structure risk include transaction participant's risk,credit promotion measures' risk and equity financing risk.Secondly,this article classified and analyzed the deal structure of commercial bank's financial products,analyzed the risk point and causes of all kinds of deal structure.At last,this article analyzed and discussed the promotion measures' risk and equity financing risk of transaction participant from three real cases.It point out when commercial bank is in the face of new financing models,it should analyze the key point and risk point of every link,understand the logical relationship behind different credit promotion measures,and understand the laws and regulations involved in the credit promotion measures.On the basis of understanding the deal structure,commercial banks should identify the legal risks policy compliance risk in order to ensure the safety of financial funds as much as possible.Then let us make suggestions to deal structure risk.This article employs the methods of case study analysis,combines theory with practice,and analyzes the risk of financial product's deal structure.The risks rose from bank financial products can be resolved by utilizing system construction,talent cultivation and regulatory guidance together.With the deep development of financial markets,financial products become the main source of profits for commercial banks.The purpose of this article is to explore the identification,prevention and management of deal structure's risk.Consequently,I hope this article can lay the steady development of China's financial market,while provide a reference for developing commercial bank's financing business.