Development Research And Risk Investigation Of Personal Financial Service For Commercial Banks

With the rapid development of the economy of our country, the disposable wealth of citizens continues increasing. To maintain and increase the value of the wealth have become an urgent need of the citizens, which brings in a grant market potential to the development of commercial banks in our country.However, with the restriction of laws, of the structure of management, and the development of market, our wealth management product will inevitably meet lots of new problems. At present, the market of financial products of our country is on the stage of transformation from out-of-order competition to regular development. In the process of development, the blindness and felonious competition have brought in new potential risks to commercial banks. Researching how to resolve the problems in the development of the market of wealth management product improving the risk management system of wealth management product, reinforcing the regulation of wealth management product are the basis to ensure the sound, regular development of the market of wealth management product in commercial banks, playing significant role in the rapid development of the wealth management product in our country.This paper is divided into six parts. The first part is the introduction, including the research background, research significance and logical structure of the thesis.The second part makes a clear definition of the personal financial service. Personal financial service, refers to financial planning, investment advises, asset management, and other specialized services provided by commercial banks to individual customers.In the third part, the history, development and characters of personal financial service are discussed.The fourth part is mainly about the financial risk of personal financial service, it include legal risk, market risk, operating risk and reputation risk. Part fifth is focusing on the risk prevention and management strategy of personal financial service.Suggestions of how to improve personal financial business in China are carried out in the last part.