Research On Risk Management Of SQ Branch Finance

Relative with the further development of our country’s economy and currency devaluation, people increasingly look to higher-yielding bank financing business. In addition, liabilities business has become the bottleneck of our country commercial bank management business, such as bank deposit has weakened the assassin’s mace function of traditional attract public funds so each big bank rolls out a variety of financing business to attract customers. Sound from a risk management point of view, bank risk management is the basic premise to assure the safety of client assets, if there is no perfect risk management methods and means, will image directly to the bank’s business competitiveness, is not conducive to the expansion of business. Wealth management business as an important business of commercial Banks in the new era, its development needs to be based on the science of risk management.Agricultural Bank of China is one of the four major state-owned commercial banks, in addition to providinga variety of commercial and retail banking products and services to the customers at the same time, carry out selfand wealth management business, the business scope covers investment banking, fund management, financial leasing, insurance, foreign exchange, precious metals, bonds and other financial business. SQ branch is asubsidiary branch of Agricultural Bank of China, the content of services provided include the promotion of financial services sales service, information service, financial analysis and planning and other value-added services, tomeet the needs of investors in different degree. With the continuous development of financial services, there are new features of professional, compatibility and risk of SQ branch of financial services, with the development offinancial business, the risk is more prominent, the problem can not be neglected.Based on SQ branch of Agricultural Bank of China banking business and operational risk control, for the purpose of theory with practice, the traditional risk management theory, the comprehensive risk management theory and information asymmetry theory as a foundation, take the way of combining theoretical research and case study, according to the study of the specific purpose and content, targeted USES literature research, comparison research, case analysis and other research methods, through to the SQ branch of Agricultural Bank of China of reviewing the history of financial business risk management mode, on SQ branch of Agricultural Bank of China banking business and operational risk management case study, analyzes its status quo, analysis of existing problems and find out the deep root, through introducing the domestic and foreign commercial bank financial business risk management practice, study the successful experience in financial business risk management, finally puts forward perfect SQ branch of Agricultural Bank of China banking business and operational risk management measures.Through the analysis, SQ branch of Agricultural Bank of China banking business is the main risk of promoting risk, marketing risk, operational risk, market risk and social risk, etc., reflecting the SQ branch facing financial insufficiency 5 management business risk, namely, management does not reach the designated position, internal management is not standard, unreasonable platform management does not reach the designated position, the operation management and talent management does not reach the designated position, the five management malpractice is no accident, in addition to its own regulatory deficiencies, and overall environment of financial market in China, there are more than disadvantages of reasons are the lag of financial regulation, the system construction lag, the credit system is not sound, needs, and cultural constraints and other issues. In order to circumvent the risk of financial business, this paper puts forward to strengthen financial management routine risk management, perfecting the financing business internal control management, perfecting the financial management business process management and management of financial professionals, promote rational and healthy development of the wealth-management business SQ branch.