| In recent years,more and more investors start to pay attention to the preservation and appreciation of assets and bank financial products,what mainly lead to the condition are the economic situation of China and the improvement of personal disposable income and the wake of residents' financial awareness.In order to meet the market demand,the commercial banks of China continue to create financial products,and making the distribution and scale of financial products show a significant increase.Commercial bank financial business has become financial instruments that cannot be ignored in the financial markets when it raises funds with its rapidity and high flexibility and raises the bank performance and increases the income of the bank.J bank financial business got started in 2007,from 2014,J bank financial business has got rapid development and has realized the rapid increase in the financial product issuance until now.However,every coin has two sides.We should also realize the financial products' own risk while the J bank finance has brought lucrative business expansion.J bank financial market is in rapid growth,immature financial infrastructure market and the backward management means and so on factors also bring risks for J commercial bank.Therefore,based on the analysis of the development present situation of J bank financial business,it has positive practical significance for J bank to study the facing risk and the risk control in the financing business operation pattern and to explore the J bank business risk control measures and means.This paper mainly studies the design characteristics of J bank financial products and the actual operation model in the asset management,and explores the future direction of financial products and practical significance.First of all,this article will present the development of commercial bank financial products and emphasize the investment restriction situation of the financial products under the supervision on the China Banking Regulatory Commission,and introduce the J bank financial product operation mode from the design direction and investment direction of products,and its essence is as the carrier of bank financing products and by means of financial capital.After analyzing the development status and financing characteristics of the financing business in J bank,We discusses the risk sources,characteristics and control way of the financial product operation mode.At the end of the paper,aiming at the risk control in the process of the characteristic of J bank financial products design and actual operation mode,we explore the direction of financial product operation mode in the future,and give the corresponding suggestions.In this paper,we research the financial product operation mode from two aspects of J bank financial products and the main issue of the investment main body from the microscopic view,and we explain the development trend of J bank financial products from the needs of both investors and Banks.Through the research,we have got the following results:(1)With the deepening of financial markets,it has become inevitable to strengthen risk control of operation mode,risk control is an important project of financial product operation pattern of the design process,so we should accelerate the construction of system and elaborate the background operation according to reduce the risk of artificial operation.(2)The factors of the domestic financial market improve gradually,capital investment channels diversifies further,so the configuration of assets can relax to the global assets.Financial trend will not change,and it mainly test the capabilities of the bank asset management and cultivating customers and talent reserves,and finally it becomes wealth management and even private banking business step by step.J bank financial business is still at an initial stage compared with other bank financial business,so it is a must to have the road of specification before and develop later to insure the healthy development on the premise of risk control. |
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