Research On The Risk Management Of Structured Financial Products Of Commercial Banks Under The New Asset Management Regulations

In order to prevent and resolve major risks and promote the healthy and orderly development of financial management business of banking institutions,the CBRC has promulgated and implemented the measures for the Supervision and Administration of Financial Management Business of Commercial Banks(hereinafter referred to as the "New regulations on Capital Management").The promulgation and implementation of the new regulations on capital management have a very far-reaching impact on both the financial industry and the operation of the capital market.In the 1980s,structural financial products appeared in Europe and the United States,and as soon as they appeared,they were developed and popularized rapidly in developed countries.However,as far as our country is concerned,combined with the actual situation of our country,our country is still relatively backward in terms of financial market and the derivative development of financial instruments compared with the developed countries.To a large extent,this has led to the delay in the introduction of structured wealth management products.In recent years,the market economy of our country has been developed rapidly,which has provided an important guarantee for promoting the perfection of the financial market of our country.Under this background,the income of the residents in our country has also been greatly improved.In 2005,this significantly increased residents' own demand for savings and investment and finance.As far as structural financial products are concerned,it is a new form of financial management tools developed by commercial banks.Compared with the traditional investment and financial products,structured financial products themselves include both fixed forms of income such as securities and so on.At the same time,it also has the advantages of financial derivatives and so on,and at the same time,it can also effectively control the risk.As far as commercial banks are concerned,structured wealth management products can be in the context of interest rate marketization.Fully based on the increasingly diversified investment channels at this stage to achieve the new profit space Open up,this also has a good role in promoting the development of commercial banks.Based on the literature method,this paper makes a full analysis of the relevant research on the risk management of structural financial products of commercial banks at home and abroad,which provides an important theoretical basis for this analysis.Based on the analysis of the present situation of risk management of structured financial products,this paper makes a full analysis of the public data such as Tonghua Shun and other public data,and then takes the products of "Deli Bao Private Silver Huixuan" as an example.Based on the comparison of structural and non-structural financial products before the implementation of the new rules of capital management,through the basic situation of structural wealth management products and the structural financial products of "Deli Bao Private Bank enjoy" under the new rules of capital management,this paper makes a comparison between structural financial products and structural financial products under the new regulations of capital management.The product income and the risk faced are analyzed,and the corresponding risk management suggestions are put forward based on the three levels of supervision,commercial banks and investors.It is emphasized that the supervision departments can perfect the relevant systems and management measures,carry out the registration and filing to improve the information disclosure work,and supervise the self-risk control and management of commercial banks.Under the new rules of capital management,commercial banks can strengthen the innovation and risk management of financial products,increase the introduction of financial management professionals,and enhance the automatic risk monitoring means of the system.In view of the investors,they need to strengthen the guidance and prevent the customer operation risk,and fully standardize the operation process.Strengthen the guidance of product business in order to fundamentally improve the effectiveness of risk management.Financial market innovation,regulatory controls and 2018 qualification tube after new rules to control direction is the main innovation of this article,with specific share index pegged to the type of structured financial products as an example,through quantitative answer causal effect,the results of qualitative interpretation case complement each other,influence each other,to study how to practical operation and structured financial products innovation of commercial bank risk management,from the macro and micro two dimensions on the current domestic commercial Banks to the risk sources and influencing factors of structured finance products are studied and put forward corresponding management advice.This paper systematically classifies financial products under the new asset management regulations,systematically introduces the pricing theory and risks of financial products,and analyzes the risk factors of financial products.From the two aspects of linked products and embedded options,this paper analyzes the risk and return changes of financial products,and how to balance them according to their own risk and return expectations,so as to help investors choose financial products suitable for them.Therefore,when Banks issue financial products and investors choose financial products,this paper has certain reference significance.