Research On Reputation Risk Management Of Wealth Management Products Of Commercial Banks

In recent years,with the deepening of the reform and opening up,the national economy has developed rapidly,and people's living standard and per capita disposable income have also been greatly improved.People from the original pure as regular financial management,gradually into the initiative to find a way to maintain wealth appreciation.However,amid the boom in wealth management products,some discordant events are being revealed.In particular,in recent years,the exposure of financial "flying single","false financial","wealth management changing fund" and other events has damaged the reputation of commercial Banks' financial management brands,and investors' trust in commercial Banks has been reduced.In addition,in 2017,the government cancelled "just exchange",which makes ordinary investors have doubts about how to buy financial products in the future.In this paper,through the theoretical research,to introduce commercial bank financial management products are classified,and analyzed about the present situation of commercial bank financial products market,summed up the current our country commercial bank financial products stable balance overall trends,new hairstyle products closed average maturity increases,more is given priority to with low risk,financial product returns volatility than in previous years,frequent reputation risk events such as development trend.And through to the our country commercial bank financial product reputation risk causes were analyzed,and found that causes our country commercial bank financial product reputation risk factors including the opaque information disclosure,the product itself to a design flaw,internal factors such as wealth management products sales staff misconduct,and the related laws and regulations,financial market is not mature external factors.Based on the China minsheng banking "false financial" case analysis and draw lessons from other developed countries and districts of commercial Banks to guard against financial product reputation risk experience,summarized from two aspects,one is external,internal management which accords with the situation of our country commercial Banks to guard against and dissolve the reputational risk caused by financial product of practical countermeasures.