Research On Risk Management Of Structured Deposit Product In S City Commercial Bank

Structured deposits originated from the United States in 2002,the Everbright bank sold first structured products in China,the China banking regulatory commission in 2005 formally to allow qualified Banks to issue structured deposits,after the issuance of the New Rules on Asset Management in 2018,the financial supervision is becoming stricter.As a substitute for the financial management that promises to protect the principal,the structured deposit has entered the stage of rapid development.For commercial banks,structured deposits are included in the scope of deposits to open up new sources of soliciting deposits.For customers,structured deposits guarantee low risk of principal and can obtain higher expected returns.Both the supply and demand of structured deposits accelerate the growth of structured deposits.However,the fierce deposit competition leads to non-standard product operation and management,illegal exhibition and other problems,disrupting the market order.In addition,derivatives linked to the underlying products are different from general financial products,which bring great risks to commercial banks,especially small and medium-sized banks,which lack management experience.Therefore,this paper chooses S City commercial bank with trans-regional operation as the research target.First of all,on the basis of studying domestic and foreign literature,we have a full understanding and understanding of the current risk management of structured deposits.Through practical investigation,we have sorted out the development status of S bank’s deposit products and the risk management status of structured deposits,identified the risks faced by structured deposit products,and conducted product risk measurement and monitoring.Secondly,according to the current situation management,comb the product risk management system,information disclosure quality,business process management and other problems,analyze the causes of the problems.Finally,the countermeasures and suggestions for the structural deposit risk management of S Bank are put forward.Through research,this paper argues that S bank in the structured deposits of risk management,to perfect risk management system of "top-level design",set up by the headquarters of a unified risk management standards,implement policy consistency,and establish the product distribution,sales management,product operation from three aspects of dynamic risk management mode,optimize S bank structured deposits product risk management,Ensure product operation complies with regulatory requirements.