Risk Analysis And Development Strategy Of Commercial Bank’s Personal Financing Business

In recent years, the financial products of our country’s commercial bank has developed rapidly, and the scale is also expanding increasingly. It has become the important strength for the commercial Banks to provide professional investment&Financing for the clients. As an important investment financing channel, commercial bank’s financial products could prompt the investors to take advantage of the idle founds, and make the investors’founds to realize their value. However, there are also many problems in the process of development for commercial bank’s financial products. For example, the capital operation mode is similar, the phenomenon of quality similarity is serious, and marketers’ operational risk is exposed increasingly. All these problems need to be studied and improved.This thesis introduces the important theories of personal financial products both at home and abroad, and also introduces the classification, feature and current development status of our country’s financial products. Meanwhile, it also indicates the main risk, namely, solvency risk, operating risk, liquidity risk and reputation risk according to through detailed analysis of our country’s financial products. And then, it proposes some strategies for the development of the financial products of our country’s commercial bank according to the main risks and our country’s current financial environment.