Risk Analysis Of The Assetcustody In Commercial Banks

In recent years,with the rapid development of the capital market,the scale of asset custody business becomes larger.As a high-quality off-balance sheet business,it can not only bring a lot of income,but also help the custodian banks develop in chains,bringing high-quality customer groups and a large number of financial assets,and gradually grow into a new bank expansion point.But at the same time,But at the same time,it brings out the risk control problems corresponding to the development.Risk management of managed business is not only involved in its risk protection,but also a part of the entire commercial bank internal control system.Now,compared with the mature foreign trusteeship,the gap between the risk control of commercial banks in China is still not small.Therefore,according to the current situation of asset custody,studying the asset custody business risk of banks and exploring the countermeasures of management risk control of asset custodian bank of China's commercial banks,have an important practical significance on the asset custody business of commercial bank development and progress.The core of this paper is the risk of asset custody of commercial banks in China.As a main part of this paper,the author analyzes the origin and current situation of domestic and international asset custody business.Taking the Shanghai Pudong Development Bank Asset Management as an example,from the legal risk,operational risk and market Risk analysis of the assets,analyze the risk of the asset custody of the Shanghai Pudong Development Bank,using individual laws and regulations to analyze the legal risks,and using risk matrix method and index analysis to dissect the operational risks and market risks.Lagging laws and regulations are still unable to keep up with the pace of the rapid development of the custody business,the rules and regulations of the vested custody of the rights,obligations and responsibilities make some of the trusteeship in the event of risk when there is unreasonable situation,the legal risk still can not find a perfect solution to the problem,needing for the entire market to improve cooperate;Operational risk under the control of risk-averse custodian banks,in recent years,the custodian bank did not have much significant operational risks,but still actually exist.Operational risks such as custody risk,transfer risk,valuation risk and supervision risk need to be strictly controlled,they can cause irreparable damage once they happen,so operational risk control needs to be continue to improved,still having a lot of improvement;Market risks are decided by the capital market,the market situation in 2016 is poor,the risk of financial investment is relatively large,performances of many funds are poor,using managers expert financial advantages,in the overall market the market risk control is better,but the dispersion of non-systemic risk still needs to be improved and strengthened,and the choices of managers and custody products need to be more rigorous.At the end of this paper,combined with the above risk analysis to find out the causes of the problem,and put forward some countermeasures and suggestions:establish a full sense of risk,establish the whole monitoring concept,strengthen internal control,strengthen system construction,improve business operation process,strengthen legal construction,improve the regulatory system.