Research On Risk Management Of Personal Wealth Management Business Of China Agricultural Bank Inner Mongolia Branch

With China's financial reform and the opening to the outside world deepening and the introduction of the theory of economic capital,to promote financial innovation measures have been introduced,the banking innovation environment tends to be loose,the personal financial management business potential should.The so-called commercial banks personal financial services,refers to the commercial banks to provide financial analysis,financial planning,investment advisers,asset management and other professional services for individual customers.In western developed countries,personal financial business has been very mature,the types of financial products,and has formed a sound risk management system.But in our country,the development of personal financial business of commercial banks is relatively late,after several years of development has been improved.Personal financial services,a variety of products and gradually expand the scale,variety is rich,commercial bank personal financial business development is rapid,and gradually developed into the focus of commercial banks in the middle of income.However,there are potential risks behind high profits,personal financial services in the commercial banks to bring profits at the same time,but also to the commercial banks to bring potential risks.Due to China's financial market is still in its infancy,the lack of perfect internal control system and full information disclosure system,resulting in China's personal financial business in the market risk,liquidity risk,decision-making risk,operational risk,legal risk and reputation risk exists many deficiencies,risk control is not tight.It is in this context,the Agricultural Bank of Chinese Inner Mongolia branch as an example to discuss the personal financial business risk management situation This paper firstly introduces the domestic and international related theoretical knowledge about personal finance business,and then introduces the current situation,types,characteristics and development trend of personal financial services in China.Secondly,through the analysis of the Agricultural Bank of China,Inner Mongolia Branch personal financial services of the situation found the influencing factors of personal financial business risk,then according to the main risk and the present stage of our country's financial environment,by referring to the riskmanagement and control of other countries and regions,the personal financial business of Agricultural Bank of China branch in Inner Mongolia and risk management development proposed countermeasures and suggestions.