| Since March 2015, the People’s Bank of China has adjusted the deposit and benchmark loan rate of commercial banks for many times, and the marketization reform of China’s interest rate has been strengthening. The interest rate marketization let the commercial banks have right to decide the deposit and loan interest rate within the floating range, and thence all commercial banks compete to raise deposit and loan interest rate so as to attract more customers, which leads to interest difference between deposit and loan is reducing continuously and eventually leads to the profit margin of each commercial bank is reduced again and again. Since building a moderately prosperous society in all aspects was put forward in the CPC’s 17 th National Congress, China’s gross national product(GNP) has been on the rise successively, people’s life become richer and richer, so their needs for financial management become more urgent. In order to expand the profit space, all commercial banks have increased the proportion of intermediary business, thus personal finance business has gradually become the focus of all commercial banks and one of the core businesses for attracting high-quality. Personal finance business starts relatively late in China, but its development is fairly rapid. Though it develops rapidly, there are a lot of shortages on risk control at the same time. For GH Bank, the innovation ability for personal finance business is very weak, together with serious homogeneity phenomenon and a series of problems in the design, sales, products all prove that its risk situation is quite serious. This paper is to research risk control based on the case of GH Bank’s risk control, the author hopes to help GH Bank control risk for personal finance business to the limit, and to make the personal financing business not only increase intermediary business revenue for GH Bank, but also can effectively control business risk, so as to realize win-win between banks and customers.This paper is to make up for the defect of GH Bank in terms of risk control and improve its overall level of risk control with the research on GH Bank personal financing business risk and its control. First of all, on the basis of clear research purpose, this paper is to explain "personal financial management business", "risk control", "comprehensive risk management theory", "portfolio investment theory", "life cycle theory" and other concepts and theories; Secondly, based on the core concepts and relevant theories, this paper has analyzed the present situation of personal financing business risk of GH Bank, found that its main risks are market risk, operational risk, legal risk, credit risk, and further analyzed the measures taken in the process of risk control for four ones; Thirdly, this paper has found out the existing problems in the process of GH Bank’s risk control, analyzed the causes, and exemplifies them with real cases; Finally, this paper has put forward corresponding risk control countermeasure accordingly, so as to provide the commercial banks of same level or same scale with some guidance and reference to solve similar problems. |
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