Research On Market Risk Management Of Net Value Banking Wealth Management Products

Nowadays,with the process of economic restructuring and upgrading and the improvement of financial environment,China's economy maintains a sustained and stable development,the disposable wealth of urban and rural residents continues to grow,and their willingness to invest is gradually increasing,which provides a solid foundation for the development of China's financial management business.Since Everbright Bank issued its first RMB financial management business,the capital management business of banks with Chinese characteristics has started to develop.Banking financial management has witnessed explosive growth.After more than ten years of development,by the end of 2018,the banking financial management scale has reached 28 trillion yuan,which has become an absolute intermediate force in the domestic capital management industry.The shadow of sound operation of banks behind bank financial products has become the most trusted choice for investors.However,with the development and growth of bank financial management,it also exposes the problems represented by "invisible rigid exchange,capital pool operation,non-standard asset maturity mismatch,interbank arbitrage,capital idling,regulatory arbitrage,shadow bank",and faces serious financial risks.With the opening up of China's financial market and the innovation of banking financial products,net-value banking financial products will become the key link in the banking product system.Discussing the market risk management of net-value banking financial products from the perspective of banks will help deepen the research on the innovation of banking financial services.Therefore,how to scientifically assess the market risk of the net value bank's financial products and how to prevent the market risk are the important and unavoidable problems that the financial management and issuing banks must pay attention to when they want to transform the net value management.Financial issuing banks must actively learn from the experience accumulated by domestic fund companies and mainstream foreign banks in the process of net value management,and explore the means to prevent market risks of financial products in line with net value banks in order to improve the development level of financial products business in China.This paper takes the experience and lessons learned from the investment operation of financial products of Bank Z in the process of net value transformation as a case study,combines with the actualsituation of the investment operation of financial products,fully considers the reality that the current financial management of banks mainly invests in standardized creditor's rights assets,and based on the economic development situation at home and abroad in recent years and the guidance of domestic fiscal and monetary policies,the author has made a large number of studies.On the basis of literature research at home and abroad,this paper proposes to build a scientific market risk index system by combining duration model and VaRmodel.Through the data and information of authoritative institutions and open markets,the market risk of net-value banks' financial management is evaluated by data analysis and systematic research combined with cases.Using the method of case analysis,this paper takes two cases of Z Bank's financial products risk out of control and effective risk control as the research object,mainly because Z Bank,as the representative of local city commercial banks,is a typical representative of the market risk management of small and medium-sized banks in the process of net value transformation,and provides a reference for future interbank institutions to carry out market risk management of bank's financial services.Enlightenment and reference value.Based on the analysis and identification of the market risk of the net-value bank's financial products and the measurement of the model,and on the basis of the market reality of domestic bonds,this paper puts forward that the risk management method is very helpful for the city's commercial banks to enhance their ability of risk management and enhance their core competitiveness;for investors,they can be familiar with and master the net-value financial products market.The method of risk analysis is conducive to making correct investment decisions and choosing financial products that match their risk concepts and risk tolerance.