The Research About The Risk Management Of Personal Financing Business In Commercial Bank Of China

With the development of market economy of China, the increase in residents' income,residents for personal finance demand is more and more strong. Therefore, personal financial business in Chinese commercial banks developed gradually. It provided the opportunities for the development of personal finance business in the bank of China. After China enter the WTO, foreign banks enter China gradually, because foreign banks in financial business has developed for many years, no matter the financial product design or financial services are all have a great advantages. It is a great challenge to the development of personal finance business in our commercial banks.Although commercial banks personal finance business in our country has developed for some years. But owing to financial business in China is still at an elementary stage and as inadequately supervised and legal risks a factor, personal finance business in Chinese commercial banks is still confront with great risks. Therefore, how to solve our commercial bank management in individual business is worth to research.This article use game theory,Var model to research the management of commercial banks in our country. This article includes these sections; the first part introduce the background of research,study significance,study ways,innovation and so on; The second part introduce the risk that our Chinese commercial banks meets and risk management situation in Chinese commercial banks; The third part introduce the problems in personal finance of Chinese commercial banks; The fourth part introduce experience of risk management in developed countries and areas commercial bank management in private business; The fifth part make some suggestions to our commercial banks of personal finance business on risk management. The last part is summary and looking.