Risk Control Research Of A Bank Financial Business

As China's economic development and residents' disposable wealth increase,people's demand for investment appears.Especially when in inflation,people want to keep and increase their wealth.Since the CBRC promulgated the “Interim Measures for the administration of personal financial services of commercial banks” in 2005,personal financial services of commercial banks developed rapidly.By the end of 2015,the national 426 banking institutions have 60879 financial products surviving,totaled 23.5 trillion RMB,which is only 7.1 trillion RMB in 2012.With the increasing scale of financial products,the risk of financial products increase at the same time.According to Wind information data,211 of the 1021 financial products,published in 2012,did not achieve the expected benefits.The Trust and Financing research Institute of Southwest Finance University released a report,which showed that of 2974 structured financial products in 2013,86.17% products achieved the highest expected return rate while 13.6% of the products achieved the minimum expected return rate.However,the research report said,this did not mean the risk of structured products was reduced,but some banks only released good earning products,unpublished poor earning products.In fact,such behavior was not uncommon.Therefore,to strengthen risk control of the bank financial products is of great significance for commercial banks.Through the research on the risk of A bank financial products,this article seeks the risk management measures,so as to enhance the risk management system of commercial banks,improve the ability of risk control personnel of commercial banks,which is of great significance for promoting the development of the commercial bank financial business.