Research On The Improvement Of Risk Management Of Net Value Financing Business Of X Bank

In recent years,the financial management business of China’s banks has been developing and expanding,and the demand for resident financial management business is also increasing.With the development of financial management business,some financial management business risk problems such as financial management product fund pool,term mismatch,shadow banking,financial management product multi-layer nesting and other problems gradually exposed.In response to these problems,the regulatory authorities have continuously strengthened the regulation of bank financial management business and issued regulatory documents for many times to prevent financial risks.In particular,the implementation of the "new asset management regulations" in 2018 requires that after the transition period,the bank’s financial products should be fully net worth,break the traditional financial business just cashed,realize the penetrating management of the financial business,and reduce the financial risk of the financial business.Under the background of this policy,X Bank responded quickly to the policy,rectified the financial management business,and realized the comprehensive net value of financial management products.X Bank’s rapid growth of net-worth financial management has yet to resolve the numerous issues associated with risk management.The financial management business’ s transformation has not been met with a timely and effective adjustment of the risk management mechanism,resulting in an inadequate evaluation and control of its risk.Under this research background,this paper takes X Bank’s net worth financial management business as the main research object,and studies the specific improvement measures of X Bank in the risk management of net worth financial management business by finding,analyzing and solving problems.By combining quantitative and qualitative analysis methods,applying the analytic hierarchy process and fuzzy comprehensive evaluation method to the risk management of X Bank,this paper synthesizes the information collected from expert interviews on risk management,reconstructs the risk indicator model,and proposes six first-level risk indicators and 23 second-level risk factors indicators.Through the evaluation of risk indicators by experts,the specific risk management improvement contents of X Bank in risk identification,risk assessment,risk control,risk early warning and risk supervision are proposed.This paper compares and evaluates the improvement effect of risk management,verifies the feasibility and effectiveness of the improvement measures,and puts forward the implementation steps and guarantee for the implementation of the improvement measures.The research results of this paper show that through the establishment of a complete risk indicator system,the ability to identify the risks of the net value financial management business has been enhanced,and the level of risk assessment has been improved.Effective risk assessment also points out the direction for risk management in the future development of the business.The improvement measures for each link of risk management based on the establishment of risk indicators will help strengthen the ability of risk management,give full play to the role of risk early warning and risk supervision,and promote the healthy development of net worth financial management business.