| The blue whale is the largest lazy animal live on the earth。 Nowadays, Chinese people metaphor China banking industry as a whale,has a large scale, in2011China banking industry’s total assets reached113and28yuan; more profits, in2011China banking profits accounted for more than20%of the total profit,70%come from commercial banks individual financial business, only in2011, China’s commercial banks total issued19176of personal finance products, real occupants financing volume have already reached16.49trillion RMB。 Commercial banks individual financial business grows fast, commercial bank collet a large number of lenders and investment funds, this make commercial banks only rely on "deposit and loan poor" also can easily get nearly one hundred million yuan net profit, formed a "Bank blue whale" phenomenon。 Therefore, there has a real important practical significance about further study of China’s commercial banks individual financial business risk。In the1990s, China’s commercial banks individual financial business’s develops based on experience from the foreign counterparts, China Merchants Bank introduced in1995with the customers as the center, set the foreign currency and the deposit and optional agency clearing and function as one of "all-in-one-card" business, is seen as the launch of the commercial Banks in China most early bank finance business。 Since2003, China’s commercial banks individual financial business is develop mushroomed。 After nearly10years of development, China’s commercial banks individual financial business has achieved great success。 In2011, the stock market in1170listed companies have318companies’s net profit will decline;873funds loss500and4billion yuan; Insurance annual premium income reached1.43trillion yuan,Compared with2010, this number has dropped1.3%; Only commercial banks outshine others; The national111banks total issued19176of personal finance products, easy to nearly one hundred million yuan net income (banking in2011net profit of1.0412trillion yuan, according to the bank for70%interest calculation), the quantity and amount has double harvest。 Behind of commercial banks individual financial business blowout growth, there are commercial bank Financial practitioners’s specialization is low, personal financial business’s products have a single species, the investors’s qualification check is too formal, personal financial business’s products information disclosure system is not perfect, commercial banks personal financial business products are mostly lack of risks control, also deep hiddened "Bank blue whale" malaises。"Bank blue whale" phenomenon can induce the following new risk: first, forming modern version of the bank monopoly。 Now the best selling products of China’s commercial banks personal financial business’s selling bank individual financial products "yields is equal to the expected rate of return are higher than the same period the bank deposit rates", leading to a lot of money to flow to the national bank, other financial institutions will likely to experience flow risk funds。 Second,"higher-yielding" investment criteria damaged。 The stock market is a test of private investment risk ability to deal with the standard market。"Bank blue whale" destroyed "higher-yielding" investment criteria, the stock market might be facing long-term atrophy risk。 Third, go against the national personal risk consciousness training。"Bank blue whale" the phenomenon of the make public funds to banks most financial product, rather than by purchasing commercial insurance to spread risk private, countries face financial burden risk。 In addition, by the economic changes in the environment, market environment and the change of external causes of influence and bank target customers not clear and product homogeneity, from personnel quality is low and backward management and so on internal reasons influence, cause our country commercial bank of the personal financial management business and foreign financial management business, facing the market risk, the interest rate risk, the risk of exchange rate, the operation risk, credit risk, liquidity risk increase。Eliminating the "Bank blue whale" hidden trouble, strengthening of China’s commercial banks personal financial business’s risk prevention countermeasures can following these aspects:First, optimization of the personal financial management business bank of the portfolio, to reduce the bank of personal finance products of interest rate risk and the exchange rate risk; Second, improve business bank other risk control system, and strengthen of employees operating risk control dynamics, effectively avoid the bank management risks and other kinds of risk; Third, learning foreign bank experience, set up all take the customer as the center management concept, closely around the customer benefit in bank of the personal financial management business innovation。 In formal sales financial products to customers before the financial product risk level to bear ability test, to provide customers with the procurement of popular personal finance products, eliminate bank reputation risk。 Fourth, the study American allied bank experience, incentive bank in their own departments duty limits our best for the innovation of individual wealth management products services, prompting both to all the departments around the customer benefit maximization, enterprise benefit maximization and shareholders benefit maximization idea and efficient work。 Strengthen the financial management business vocational training, improve customer manager level of service, the introduction of several senior investment talent for the bank financing business sustainable, healthy development provide personnel quality guarantee。 Finally, through the good financial capital market again the legal norm, implement mixed trading mechanism, perfecting the information disclosure and supervision system, to raise the quality of listed companies and other measures to regulate commercial bank finance and investment environment, to achieve the comprehensive management of China’s commercial banks’ personal financial management business risk goal。... |
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