Research On The Construction And Application Of The Risk Evaluation System Of Bank A's Net Worth Wealth Management Business

Net worth wealth management products adopt a net worth operation mode,which objectively reflects the true returns and risks of the investment and financing market through product net value fluctuations,and enhances the ability of wealth management products to serve the real economy.The new asset management regulations require banks to complete the net worth transformation of the wealth management products they sell before the end of the transition period in 2020.Therefore,2020 will be a year of rapid development of net worth wealth management products in China.However,the risk prevention pressure brought about by the rapid expansion of products on commercial banks is also worthy of vigilance: firstly,the operation mode of daily or regular disclosure of product net value makes banks face greater market risks,operational risks and macro environmental risks;secondly,transparent disclosure may bring more running events,which puts forward higher requirements for bank liquidity risk and reputation risk prevention;finally,stricter compliance management and liquidity requirements bring greater regulatory pressure on banks.Under the new regulatory framework,how to evaluate these risks faced by banks and then formulate targeted risk prevention strategies is very important.At present,the development of China's net worth wealth management products has just started,and there is no theoretical and systematic research on the risk assessment of bank net worth wealth management business.Therefore,it is of great theoretical and practical significance to construct a risk evaluation model of net worth wealth management business suitable for China's commercial banking system.This paper takes Bank A as an example.Based on the current status of the development of the risk assessment of the wealth management business in China and the actual situation of the operation of the bank A's net worth business,the Delphi method and the analytic hierarchy process are first combined to select 6 Level indicators and 22 second-level indicators,construct a risk evaluation system and calculate the index weights,and then use fuzzy comprehensive evaluation method to evaluate the various levels of bank A's indicators and comprehensive risk prevention capabilities.This paper mainly draws two achievements: first,constructing the risk evaluation index system of Bank A's net worth wealth management business and using the analytic hierarchy process to give the index weights,which enriches the risk evaluation method of Bank A;second,with the help of the completed risk evaluation The system,combined with the fuzzy comprehensive evaluation method,evaluated the risk prevention situation of Bank A's net worth wealth management business at the current stage,gave the risk prevention evaluation values of all levels of indicators,and proposed reasonable and feasible risk prevention countermeasures against the evaluation results.According to the evaluation results,Bank A should formulate targeted risk prevention strategies from four perspectives: macro environment and regulatory policy risk,market risk,liquidity risk and operational risk.At the same time,the research results of this paper can bring some inspiration and reference significance to the financial industry,especially the same type of city commercial banks.Other commercial banks can evaluate their own risk prevention capabilities based on the evaluation system and identify weak links for prevention.