Research On Risk Management Of Personal Financial Services In Agricultural Bank Of China,S Branch

With the rapid development of our economy,the improvement of the level of disposable income and the increasing demand for investment in financial management,the personal financial business of commercial banks in our country has gradually been attached importance to and developed.As a new industry,personal finance business has gradually become a means for commercial banks to expand their markets,improve their profits and enhance their competitiveness.However,due to the imperfect financial management and risk control mechanism,the homogeneity of financial products and fierce competition,and the uneven professional literacy of financial management personnel,personal financial risk events continue to appear.In recent years,"fake financial management" has occurred all over the country.Cases,such as "unusual disappearance of deposits",make some financial products can not be paid on time,seriously damage the interests of depositors,and reduce the depositors' trust in banking financial institutions.Therefore,financial management risk control has gradually become an important research topic in the field of internal risk control of banking financial institutions.The corresponding cause analysis and the optimization of internal risk control mechanism have become an important factor for bank managers to consider the development of banking business.This article is mainly based on the practice in the S branch of the Agricultural Bank of China,and the experience of the bank's personal financial management business and the relevant information collected.This paper analyzes the present situation and existing problems of the personal financial management business risk control of Agricultural Bank S Branch,and puts forward the relevant optimization strategies.Firstly,this paper briefly introduces the development situation and risk control status of personal finance business of domestic commercial banks,and then takes the S Branch of Agricultural Bank as a specific case.This paper introduces the development of this branch's financial management business and its risk and risk control status.Secondly,the paper analyzes the problems and causes of risk control in the personal finance business of the S Branch of Agricultural Bank of China.It is finds that there are four problems in this branch: the external risk is difficult to control,the soft environment of internal risk control needs to be improved,and the management and control of marketing risk of internal personnel should be strengthened,and the compliance control initiative in the business management process is insufficient.Finally,according to the deficiency of risk control of S branch bank's financial management business,this paper puts forward the following four aspects optimization strategy mainly includes build a harmonious external environment and prevent and control external risks;strengthening the compliance risk management,improving the soft environment of internal risk control,strengthening the construction of financial management team,improving service quality and level,standardizing the behavior of financial personnel,optimizing the operation procedure management of financial management and so on.This paper makes a comprehensive analysis on the risk control of personal finance business of Agricultural Bank S Branch in order to provide some enlightenment and reference for the relevant government departments and other commercial banks.Government departments should give full play to the role of ensuring,guiding,standardizing and preventing and controlling macro risks.At the same time,the commercial banks should improve the consciousness of social service and actively create a harmonious external environment while carrying out the all-around measures of personal financial management business risk control.