Research On The Risk Control Over Bank A's Financing Services

The asset management and wealth management industry has come into an era of competition.Bank financing business in China since 2005 has experienced a rapid development.By 2016 at the end of the third quarter,the bank balance of wealth management products reached 27.1 trillion yuan,taking the largest market share in the Chinese asset management industry.Wealth management products have become the most familiar financial products to the general public.Because of regulatory,commercial Banks are more constrained,So commercial Banks will put Financial money to other non bank financial institution to do management.So the commercial bank financing business belongs to domestic unique shadow Banks.Bank financial market is highly marketable,So in the process of wealth management business,facing many market risk and legal risk,Bank finance operation mode also has brought the term mismatch risk,In addition,because of the great bank financing volume if the risk exposure that will bring the huge impact to the entire financial system.Therefore,it is particularly important to commercial bank risk management measures.This paper studies the various types of risks faced by bank A's financial business,and with bank A in the actual form to illustrate the effects of all kinds of risks for bank A.In addition,this paper respectively from two financial product pre-sale and duration time dimension bank A's risk management measures are analyzed,the details of bank A in the risk management of in-depth interpretation,and points out that the system can not effectively deal with bank A's financing business term mismatch risk and operation risk,etc.Due to the provisions of the regulations,Commercial Banks can investment target is limited,so the commercial bank will entrust other relevant qualifications of non bank financial institutions to invest.The year of 2016 is the outsourcing of the rapid development of the commercial Banks outsourcing funds accounted for about 12% of the financial capital and total scale,in terms of investments,outsourcing capital investment increased the proportion of equity assets,outsourcing shows the characteristics of diversified investment.This paper analyzes the rights and interests of bank A in 2016,two class outsourcing products,the two products are offline play new themes and theme,the two themes are all belong to the rights and interests of less risky investments,thus we can see even in equity investments,bank A is still cautious.Through the analysis of the rights and interests of the two type outsourcing products,this paper argues that bank A in the financial capital risk management defect is the lack of sensitivity of the market.This article attempts to bank A as an example,analyzing the in financial risk management measures on the advantages and disadvantages,and puts forward the corresponding countermeasures and Suggestions,Other banks also can get some enlightenment to improve risk management measures,to promote the commercial bank financing business healthy and orderly,standardized development.