A Bank's Personal Wealth Management Business Risk Management Countermeasures Research

Through making effective use of current customer resources,A Bank largely develops personal financing businesses,puts emphasis on risk management and pays attention to improving its risk management level.Currently,major risks of A Bank for its personal financing business are operation risk,market risk,reputation risk and legal risk,which are mainly embodied from the non-conformed sales flow of financing products,the incomplete complaints handling system,the backward technological development and application,the defective risk monitoring system,etc.The failure to solve these problems in time will severely constrain the development of individual financing businesses in A Bank.The above problems derive from twoaspects.The one is internal reasons of the bank such as inappropriate performance assessment system,the lack of professionals,the backward technology,etc.The other is external reasons such as the blank in laws and regulations,the weak cognition on risks among customers,etc.After deep analysis into the reasons for those problems,this thesis puts forward some suggestions against the risk management of individual financing businesses for A Bank: improving the risk assessment scheme,optimizing the business flow,completing the distribution system;making sound market risk management system,strengthening data management;perfecting the information disclosure and complaints handling system;optimizing the mechanism and improving the employees' legal awareness and business capacity.