| Since the reform and opening up,the Chinese economy has ushered in a new period of development,which has greatly improved the living standards and income levels of the broad masses of the people.People have gained more disposable funds,and they have begun to have new financial management concepts.It is in this social demand that China’s wealth management industry has begun to develop.Despite the relatively late start,the development speed is very fast.The emergence of new financial management methods and capital management services has brought new opportunities to the development of the social economy,and also provided new channels for the development of banks.The problem began to be exposed,mainly in terms of people’s safety,regulatory system,business scale and potential security risks.Therefore,in order to make the wealth management industry develop healthily,it is necessary to ensure the safety of funds by strengthening risk management and control.Taking this opportunity as an opportunity,this thesis attempts to draw on the advanced experience of developed countries,proposes measures for the risk of China’s defense and wealth management business from the aspects of national supervision and commercial banks,and adopts effective prevention and control methods to protect residents’financial management before major risks occur.Investment security,guarantee the normal operation of funds,and do a good job of analyzing and exploring this issue.It is also a useful attempt made by this paper to develop the personal wealth management business of commercial banks.This thesis consists of six chapters.The first chapter is the introduction.This part first introduces the background and significance of the topic,and expounds and analyzes the domestic and foreign research.At the same time,it introduces the central argument of this paper and uses it in the research.The methods,shortcomings and innovations are described.The second chapter analyzes the definition,theoretical basis and existing risks of personal wealth management business,and briefly introduces its development process.The third chapter is This paper introduces the current development of personal wealth management business of China’s commercial banks and the difficulties in risk management and control,analyzes the related causes.The fourth chapter introduces the development of personal wealth management business and the status quo of risk control of Tianjin Binhai Rural Commercial Bank.The fifth chapter explores the successful experience of developed countries and makes effective reference for it.The six chapter puts forward the corresponding risks in the above-mentioned research,from the national regulatory level and the commercial bank level,Countermeasures and recommendations. |
