Research On Personal Banking Risk Management And Control Of Commercial Banks

In recent years, most people have a common financial management consciousness, and in the condition of the economic downturn, the stock market fell sharply, investment company, financial management confusion, the side to promote the rapid development of our country commercial bank personal finance products, the issue of commercial bank personal finance has become a popular Jordan farmar to attract customers, is an important means to promote the competitiveness of the commercial Banks themselves. But development and risk are related, and the development of the commercial bank personal financing business the same with the related problems and risks, in addition to long-term insurance products on a commission basis is most serious, not only restricted the healthy development of commercial bank financing business, at the same time caused serious reputational risk in the commercial bank. So that, this paper analyses the commercial bank personal financing business risk control status, risk factors, continuously grope for improving supervision and prevent the risk of commercial bank personal financing business, for the further development of commercial Banks has the very profound significance.In this paper, basing on the work of CCB shaanxi branch as an example, analyzed the CCB shaanxi branch personal financial management business risk control of the current situation and existing problems of current situation and problems of risk control and sell insurance products, think the current CCB shaanxi branch personal financial business has obtained certain result, but in the process of risk control in the direction of risk control, risk prevention, risk management, create positions, Banks and insurance companies sell insurance products cooperation mode issues still exist in many aspects. So this paper in reference to learn the advanced foreign commercial bank risk control functions of the organizational structure, risk setting, risk control process, based on the risk control model, put forward the optimization of CCB shaanxi branch set up the control process, control improvement measures are put forward, and supporting a series of security solution, improve and perfect the CCB shaanxi branch financial risk control.