Research On Risk Managment Of Financial Products In China's Commercial Barks

Firstly,this paper introduces the current situation of China's commercial bank's financial products development,analyzes the economic background and financial environment of China's commercial bank's financial products development,summarizes the development of domestic and foreign commercial bank's financial products risk management theory,and concludes the necessity of research.Through the research on the risk management of financial products,this paper hopes to achieve the following goals:to attract more investors and promote the sustainable development of the financial products market by reducing the risk of financial products in China.This paper is divided into four methods:literature review,experience summary,mathematical analysis and case analysis.Through the use of the above methods,the following conclusions can be drawn:First of all,the development status of China's commercial banks'financial products is that the financial products of banks have maintained rapid development after 2005.At the same time,the development of the products is accompanied by the following status:the financial products and the scale of the rise,the main individual investors,the main product investment fixed income direction.Most of the non-guaranteed financial products have the characteristics of collectivity,bank dominance and poor liquidity.Then,the risk of financial products of commercial banks in China is multifaceted.Different scholars believe that there are different risks,but the risks in this paper include:legal risk,exchange rate risk,inflation risk and market risk.Commercial banks should devote more energy to internal prevention and control,and external risks should be identified by means of monitoring to weaken the impact of risks on products.