A Study On Risks Control Of Personal Financing Business Of Commercial Banks

With economic development, people’s income level continues to improve, people increasingly strong financial needs, coupled with the bank’s own changing perceptions of personal financial services has become the focus of banking business, becoming the bank to attract High-end customers, expand market share and increase profits core business. Meanwhile, China’s accession to the WTO.The gradual opening of China’s financial market, foreign banks are allowed to conduct personal financial services in China that foreign banks variety of businesses and services means more diversified. Financial planning is the scale by measuring customer property, quality of life, expected revenue targets and real risk appetite, organic combination of deposits, insurance, securities and real estate, and other financial tools to achieve optimal benefits under the established risk.In developed countries personal finance is already a very mature business,and also has a consummate managing system on risk,but,in China there still is encountering many problems,for instance,bank products between plagiarism,homogeneity is serious,separate operation.Based on the survey of CMBC of China,risk management of personal financial business was studied,letting personal financial sevices in intermediate business income to the bank to increase,bringing benefits to investors at the same time,but also reducing and controlling the risk of products.This aritcle is divided into a total of six parts:The first part is an introduction, introduced China’s commercial banks risk control Personal Financial Services research background, significance. The second part is the literature review, the domestic commercial banking personal finance business development and risk management research programs and to improve the efficiency of bank financing research results summed, and summed up the foreign scholars risk for personal financial services at different angles to the out of the interpretation made generalizations. The third part outlines China’s commercial banks the basic concepts of personal financial services, as well as the history of the main risks facing. The fourth section describes a bank intends to sell a product development process, the commercial banks’ internal supervision department supervision, customer management information systems and financial products risk control measures carried out a detailed analysis. Summed up the fifth part of the commercial banks in terms of risk control deficiencies. Part VI a summary of the article and the author gives his own advice.