The Research On The Risk Control Of Pledge Loan Based On Personal Financial Products From Commercial Banks

Since 2005, with the rapid growth of savings of urban and rural residents in China, the commercial bank's financial industry has been an unprecedented development. In this process, the personal financial product pledged loan business, which can't be ignored by the commercial bank, is gradually developing from a small scale demand to a large scale demand promoted by the inborn liquidity shortcomings of personal financial products In practice, many commercial banks provide pledged loan exhibition of personal financial products business. But there is a matter that risk control is simple and extensive, most banks only by money and the level of income distribution do roughly divided, and give a "random" pledge ratio. In addition, commercial banks also set demanding conditions for pledged goods, this practice is not conducive to promoting the pledge of personal financial products interbank lending expanded. Therefore, the study of personal financial products as security for loans risk control has a positive practical significance.As a response to the inconvenient, Commercial banks should strengthen risk control ability, to provide more comprehensive services in pledge loans based on personal financial products, and Eliminate worries of liquidity when people buy financial products. Therefore, this article follows the methodology of risk identification, measurement, monitoring and control, expanded from two perspectives. First, think of it as an ordinary credit loan. Then analyze analyzed the credit risk, market risk, liquidity risk, operation risk and so on, with the traditional methods to identify, measure and control; The second is from the perspective of the special nature of the pledge, the analysis estimates the special risks they face risk, legal risk, reputation risk, etc. Research is focused on making innovative research on the valuation risks which belongs to the special risk. From the perspective of risk control pledge loans, proposed a more reasonable valuation techniques. Meanwhile, the techniques serve as loan pledge risk control measures. In addition, in order to control the risk of legal gaps, cal ed on the government to supplement the relevant laws and regulations as soon as possible. In order to promote the development of financial product pledged loan, the article puts forward to build the financial products trading market, increase the rating system that recognized industry.The main research results of this thesis is to put forward the innovative valuation techniques of personal financial products as a collateral in the pledge loan. The results reinforce the pledge rate in controlling risks, and provide more targeted and operational risk control method. These studies create conditions for the full launch of personal financial products as security for loans. And create conditions for the possibility of cross-bank pledge loan based on personal financial product.