Research On Risk Management Of Personal Wealth Management Business Of Bank Of China M Sub-branch

With the increasingly serious aging problem,the change of traditional investment concepts,the need for family investment development,the continuous development of the market economy,the continuous improvement of the quality of the resident population and the rapid growth of personal income,personal finance is also rapidly developing to meet the increasing demand of investors With the growing investment demand,banks continue to introduce various products to the market,but the wealth management business is an investment behavior after all,and returns are also accompanied by risks,which are often overlooked and weakened.With the emergence of risk issues,we should also Pay more attention to risk control.At the bank level,this paper uses the literature analysis method,empirical research method,theory-practice combination method and questionnaire survey method to analyze the effective strategy of personal wealth management risk management of Bank of China M bank.The thesis chapter is divided into six parts.The first part is the introduction,introducing the topic,summarizing and analyzing the literature research,and the statement of the research content and method.The second part is the overview of the bank's personal wealth management business,which is introduced from the process of risk management.Risk theory,including the whole process of risk identification,assessment and response.The third part mainly analyzes the status quo of risk management of Bank of China's personal wealth management business,and specifically introduces the status quo of Bank of China's M sub-branch in four major risk controls.The fourth part conducts a field investigation on the risk management issues of Bank of China M sub-branch on the basis of the current risk control status of the third part.The investigation finds problems in risk assessment,product sales,and product after-sales links,and analyzes them with examples;Five parts of the risks found in the previous investigation and research,choose the products of Bank of China to conduct a comprehensive evaluation and analysis of the risk,from the establishment of a comprehensive evaluation system,the source of the comprehensive evaluation data,the conduct of the comprehensive evaluation process and the calculation and analysis of the evaluation results.The overall financial risk of the sub-branch is evaluated as a whole;the sixth part combines the problems found in the risk investigation,the analysis of the existing problems and the comprehensive evaluation of the existing risks,and puts forward practical countermeasures for risk management of the Bank of China M branch It mainly includes:under the internal control risk management,the risk assessment system is improved in the risk assessment link,the sales link is established with a sales supervision mechanism,and the after-sale link details the after-sale handling process.Under externally controlled risk management,strengthen investor education,establish a risk warning mechanism,and deepen the information disclosure mechanism.The selection of the Bank of China M-branch object for research has certain industry representativeness,and it will also have certain help for the development of the banking industry's wealth management business in the combination of practical research.