Research On Risk Assessment System Of Asset Management Business Of G Bank

The Chinese economy has been experiencing a new normal,which inevitably drive the Chinese finance to move towards it as well.In the historical transformation of China's financial structure,asset management business has become the pivot of strategic transformation of financial institutions in China.Statistics from the financial market roughly suggest that asset management was involved with 27 trillion yuan in 2012 and 110 trillion yuan in 2016.The scale has increased four times in just four years,which exceeds 74 trillion and 410 billion yuan of GDP in the same period.All indicate that the great era of asset management has come.On the occasion of the economy entering a new normal and interest rate market,commercial banks have made unprecedented efforts to carry out the asset management business in the case of increasingly fierce competition between institutions.The asset management business has been growing vigorously,which gives rise to a series of risks such as maturity mismatches of products and rigid payment.Besides,the practice of illegal use of leverage to enlarge risks is nothing new.How do commercial banks continue to carry out asset management business healthy and legally? How they identify the market pulse and accurately find investment direction and strategy? And how they effectively prevent and control all kinds of risks? All of these have played an important part in the competition of financial asset management of all banks.Therefore,it is theoretically and practically significant to build a risk management assessment system of asset management business that is applicable for China's commercial banking system.To conclude,the thesis will conduct an analysis from the following aspects based on previous studies.1.In the thesis,the study is carried out with G Bank as an object.This thesis analyzes the basic situation and present situation of G bank asset management business.Combing out the six major risk points,it is found that at present,G banks have insufficient awareness of the risks of big asset management businesses and insufficient overall risks,the risk monitoring is not in place,the construction of the risk management system is lagging behind,and the definition of the responsibility of the risk management is not clear.2.Based on the current situation of risk assessment in the field of asset management business,as well as the lessons from drawn from foreign experience in risk assessment,we have designed an factor questionnaire to evaluate the asset management business of G Bank,combined with the existing results of the assessment system and the present situation of G bank in the development and risk management of asset management business.And then,we have thoroughly studied and analyzed the establishment and application of risk assessment index system for G Bank's asset management business on the basis of the survey results.3.Using Delphi method,analytic hierarchy process,fuzzy comprehensive evaluation method is a multi-day standard decision analysis method combining three qualitative and quantitative methods,Six dimensions and 23 key indicators were selected to build an effective risk assessment model for asset management business,The evaluation model is used to evaluate the assets management business of G bank and get the conclusion of evaluation.4.Through the analysis of the evaluation results of G Bank,Pertinently put forward the countermeasures of risk prevention and famine prevention,and put forward the continuous improvement of the risk management system,ensure the independent operation of information management business,improve the risk management technology and improve the quality of employees,strengthen the professional team construction of risk management countermeasures and system protection suggestions.Through the analysis on the current situation of G Bank in risk management evaluation and its existing problems,thesis builds up a risk assessment system of asset management which combined with quantitative and qualitative analysis.The whole process is consistent with the actual situation of G Bank,showing high authenticity,feasibility and maneuverability.It can really play a significant role in reference and guidance for the risk assessment of G Bank's asset management business.This study is conducive to reducing the possibility of risks facing G Bank in its asset management business and enhancing its ability to assess risks.Additional,it can improve the professional capacity of the staff working in risk control department,build up awareness of risk assessment,and promote the fine risk control management in asset management.The thesis will benefit the development of G Bank,and can be used by other financial institutions for reference.Therefore,it is of great practical significance.