Research On The Current Situation And Countermeasures Of Personal Financial Services Risk Management Of Branch S Of China Construction Bank

With the rising of China’s total economic output and the increasing of household disposable income, the way of financial management has been increasingly abundant. Meanwhile with the invisible presence of the inflation, and varies changes in capital markets,the financial sense of people gradually entrenched, and the demand for financial products are also increasingly diverse. But as the speedily development of personal financial services of commercial bank, more and more hidden risks and complaints it suffers from the investors, including product revenue is not up to expectations, and information transfer and disclosure is opaque, and product risk disclosure is not enough to understand etc. So how to strengthen the risk management of personal financial services has become a new topic that cannot be ignored.Taking S Branch of China Construction Bank for the study, this paper strive to make recommendations on the development of personal financial services of branch S from a risk management perspective. The paper is divided into the five following sections: in the first part, the research background, significance, relevant literature review, research methods are introduced; Part II provides a brief analysis of the basic status in Risk Management of Personal Financial Services of China Construction Bank branch S. on the basis of analyzing the current situation of personal financial business development of domestic commercial banks, Part II introduces the development of Personal Financial Services of China Construction Bank branch S, including product structure, staffing, sales processes, etc. Finally, it briefly descries the risk management status and problems of its financial services; Part III analyze the risk types of personal financial services of China Construction Bank Branch S, from the customer’s point of view, mainly including market risk, operational risk and credit risk,and combines the examples of actual work to analyze; The fourth part, based on the statistical results of the questionnaire recovery, do the empirical analysis on the risk management results and its influencing factors of Personal Financial Services of CCB branch S; Finally, based on the foregoing analysis and empirical results,the paper proposed the corresponding risk prevention recommendations on how to strengthen the personal financial services, aiming at provide meaningful reference countermeasures on strengthening the risk management of personal financial services for CCB branch S.