Research On Risk Prevention Of Personal Financial Business In China's Commercial Banks

With the rapid development of our economic,national income has been greatly improved,more and more leisure funds in the hands of ordinary people on the financial demand is increasing gradually,the bank personal financial business by more and more people sought to make personal financial services in our country develops very quickly.The personal financial business of commercial banks has attracted more and more attention by the end of 2017,the national total of about 528 commercial banks in the sale of financial products in the sale of financial products,the number of about 80 thousand,the balance of continued financial products 29 trillion and 50 billion yuan,an increase of 5 trillion and 550 billion yuan,an increase of 23.63%.This article focuses on the introduction of the "golden key" series of personal financial products launched by ABC.In the product description,we introduce the expected yield of products and some possible risks in the sales process,and tell people how to choose their own financial products.At present,people's increasing demand for financial,financial products,increasing varieties,although the commercial bank in the sale of financial products is relatively large number,but not differentiated varieties of financial products,the lack of the nature of innovation,in the product description to the products are expected to yield as key products,often ignore the risk financial products,allows investors to correctly understand the benefits and risks of financial products.The disclosure of bank financial products,there are also many problems in the information,customers can get the related information is limited,the actual financial earnings history to understand,because the actual revenue of bank financial products more and more lower than expected earnings,the past,some commercial banks and even a "zero yield" and "negative income"financial products,China's four major state-owned banks of Chinese bank had the "zero yield" financial products,industrial and Commercial Bank of China and even a"negative income financial products.Commercial banks personal financial products continue to emerge out of a series of risk events,ordinary residents lack of market judgment and related financial legal knowledge,for their extra leisure investment funds,not in the right direction,do not know how to choose their own financial products,so most ordinary residents want to help commercial banks to finance their investment,to achieve their own leisure capital appreciation of the purpose,to minimize the risk ofpersonal financial business,get more interest income from.Commercial banks can correct propaganda financial products,so that more ordinary people know how to finance;existing research of some commercial banks in China Problems and put forward corresponding countermeasures;to explore the future of commercial bank personal financial business development trend;combining with the self banking experience,found some problems in the personal financial services in the process.And explore the countermeasures to solve the problems related to personal financial risk from.This article mainly analyzes what is the personal financial business and personal financial business in China what are the problems,to analyze these problems and find relevant solutions to have certain theory value improve the actual development of China's commercial bank personal finance,also can provide certain reference value for related information,so has the practical significance.This article mainly focuses on the following aspects to study the risk prevention of personal financial products in China.First,we put forward the background and significance of this topic in this chapter,and then illustrate the research contents,research methods,innovations and shortcomings.Second,it is the literature review and the definition of the concept.First,what is the personal financial products,the earliest origin of personal financial products and the relevant theoretical literature on the development of personal financial products at home and abroad.Then we collated the related papers on the risk issues of personal financial products in recent years,and briefly introduced the related research results and solutions in this paper.Third,theoretical analysis.First of all,we analyze the development status of China's personal financial products,and use the past years' data to support the analysis of the development status,so as to have a preliminary understanding of the research object as a whole.At the same time,we use the related research at home and abroad to demonstrate the risk factors of China's personal financial products,and analyze the problems of China's personal financial products,so as to provide a theoretical basis for the empirical analysis part of this paper.First of all,fourth case analysis,using the ABC golden key "financial products as examples.Fifth,in view of the results of the previous research,especially the content of the empirical part,it provides a good reference for the investment and financial management of the common people.