The Risk Control Research Of CT Bank Personal Financial Products

Personal financial products business of commercial banks is an important way of personal investment for residents in developed countries. Previously, physical gold, real estate, deposit and stocks are chose by Chinese residents as personal investment ways ordinarily. However, the economic fluctuation cuts down the attraction of traditional personal investment channels, coupled with the accelerating pace of financial innovation in commercial banks, financial products of commercial banks has become an emerging way of personal investment. Because of the imperfection of financial market in China, domestic theoretical research and practical operation of personal financial products of commercial banks are not mature yet, these led to the existence of risks of personal financial products business of commercial banks.This paper treat CT Bank as research subject. Recently, CT bank started to change business strategies, and entered the retail banking market, personal financial products business attract highly attention of CT Bank. Although CT Bank developed an appropriate management system and set up a management department for personal financial products, there are still many problems in developing this business. These problems constraining the development and growth of personal financial products business of CT Bank. Through access to the literature about personal financial products business of domestic and foreign commercial banks, I insight into the academic research status and related theoretical basis of financial products at home and abroad. Besides, I also conduct field research in CT Bank, to find out the operation mechanism of personal financial products business of CT Bank, collect relevant data of personal financial products and the existing risk management system of CT Bank. To promote the development of personal financial products business in CT Bank, I systematic analyzed the collected data, found problems of personal financial products business of CT Bank, designed risk control scheme for these issues, and develop a set of measures to guarantee the execution of the plan.