Research On Risk Management Of Personal Financial Business Of Commercial Banks

With the wide application of network technology as well as further relax global financial regulation, financial globalization speeding up, the personal financial business has gradually become an important part of commercial banking. Personal financial business to carry out the good or bad, directly affect the operating results of commercial Banks and living space. Comprehensive personal financial business, therefore, is of great significance to our country commercial bank, on the one hand, rational utilization of urban and rural residents of the objective need of personal wealth and provide added value in property, dealing with foreign competition in the banking industry, on the other hand the important measures to improve the core competitiveness. This paper first simply on commercial bank personal financial business, this paper analysis and research risk management problems of personal financial business and the restriction factor, proposed in the current market environment to deepen and perfect our country personal financial business risk management countermeasures.