The Study On The Risk Management Of HS Bank Personal Finance

At present, commercial Banks have a "crisis":one is the interest rate marketization squeeze profits. Market-oriented reform has entered the deep waters, it will break the traditional commercial bank directly by eating patterns of spreads, threatening Banks living space, forcing Banks to transform. The second is financial disintermediation continuous fermentation. The proportion of the bank credit in the social overall financing scale decline gradually. The currency credit accounted for the proportion of total social financing proportion reached the lowest, financing market is moving toward a market situation. Third, private capital impact is difficult to check. Before the financial reform, financial system, especially the banking industry is restricted to private capital, and one of the objectives of the reform is to promote internal system of financial industry competition. For a long time, commercial Banks put focus on the approaches to credit, loans of net interest income once occupied more than 80% of Banks' profits, retail, formed by the intermediary business of non-interest income ratio has been low. However, after interest rate marketization, the business of the company separate FTP examination profit margins will decline, the bank only develop personal financial business and retail business in floating liability costs and assets profit maximize revenue in the match. As a result, Banks, especially the regional commercial Banks will be like the HS bank personal financing business as the focus of the business transformation. However, the personal financial business innovation of commercial Banks, the resulting risk is accumulated, it poses challenges for the commercial bank risk management ability.As wealth-management business starts late, personal finance business varieties of single and regional commercial bank risk control ability is weak, the HS bank personal finance business has been individual product was substantial losses, personal finance business once stagnation and other historical period. Legal dispute continuously, and at the same time, personal finance business in the current situation of "shortage of assets", the threat of personal finance business credit risk risk factors such as undercurrent, testing the HS bank personal financing business risk management level.In this paper, based on "comprehensive risk management theory", through combing the HS bank personal finance business gradually, the current situation of risk management of pick out from the market risk, operational risk, legal risk, credit risk four dimensions of the HS bank personal financing business risk management analysis of exposed problems, find out the subjective and objective reasons. Finally, this paper exposed the problem of the HS bank personal financing business risk management puts forward countermeasures and Suggestions, mainly concentrated in the related risk factors of measurement, a revision of the internal control system, and the change of laws and regulations as well as the selection of the counterparty, etc.This paper hope through to the HS bank personal financing business risk management analysis and study on the overall system to achieve the following:1, careful analysis of the HS bank personal financing business risk management problems, raising the level of risk management in HS bank personal finance business, enhance its market competitiveness of personal finance business.2, explore and HS similar regional Banks the universality of the personal financial business of commercial Banks risk management methods, so as to adapt to the current development of personal finance business.3, promote the commercial bank personal financing business regulation, make the commercial bank personal financing business external supervision and internal risk management organic union.