| Since 1990,China's commercial banks began to develop personal wealth management services.From the beginning to the beginning,they have gradually become increasingly sophisticated and gradually formed fierce competition.In 2016,China's household savings rate ranked third in the world.It can be seen that our people are more willing to reduce the risk of funds by depositing money into banks.Therefore,China's commercial banks have gained more and more people's trust with the rapid development of the economy,and their financial services are also favored by more people.However,the development of personal financial services of commercial banks in China is relatively late,the relevant financial regulations are more limited,and the level of internal control and related employees' business capabilities are relatively weak.All of these reasons have led to the relatively low level of personal financial services of commercial banks in China.The phenomenon of breach of contract and customer complaints frequently arises.The exposure of these problems indicates that there are still obvious deficiencies in the current risk prevention of personal financial services of commercial banks in China.These problems have brought tremendous development to the healthy development of commercial bank personal financial services.Threatened.This paper combines risk prevention strategies of China Agricultural Bank to conduct research on risk prevention and optimization strategies in order to help China Agricultural Bank to control personal finance business risks at a reasonable level.While increasing revenues,it can also reduce its business risk,and ultimately realize banks and Customer win-win situation.This paper aims to point out the current deficiencies in the risk prevention aspect of the Agricultural Bank of China and propose corresponding optimization strategies to eventually improve the overall The purpose of risk prevention level. |
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