The Research Of The Risk Management Measures On A Bank Personal Financing Business

With the development of financial markets and the banking increasingly competitive, the way of commercial banks to gain income is not limited to the traditional ones, the net interest margin, intermediate business income has gradually become the main source of it. Incomes from personal financial business is one of the most important parts. Personal financial business in foreign countries, like America and Japan, has a long history, with a complete set of risk management system. However, in China, with the increasingly household disposable income and the development of financial needs, personal financial business has greatly developed during the past decade. At the same time, shortcomings in risk management is gradually revealed.In this paper, A bank and its series of related personal financial business will be seriously analyzed, using the theory of comprehensive risk management, life-cycle hypothesis, Life hypothesis and the theory of behavioral finance,based on the literature research and data of A bank. After introducing the circumstances of A bank and its personal financial business, I summarize several insufficient aspects in personal financial risk management, then put forward proposals for appropriate measures. There are five parts of this article. The first part discusses the background and significance of the research, and analyzes the domestic and foreign research. The second part provide the theoretical basis for the following discussion. The third part is an introduction to the basic situation of A bank personal financial services, including the actuality of development and risk management mode, summarizing the A bank risk management issues. In my opinion, there are several problems of A bank personal financial services risk management. The problems are imperfect setting of department, lack of effective risk monitoring system, normative operation, and lack of risk management of finance products. The causes can be summarized as Low levels of internal control, under-developed team of Professional financial managers and weak risk awareness of customers. To build a perfect risk management system, raise the professional quality of team, Improve finance products management capabilities can help A bank to complete its risk management mechanism and develop of its personal financial business.