Research On Risk Management Of Personal Financial Services In NingXia Bank

With rapid development of national economy and the rise of income level of residents,Banking retail products carrier develop in various types,The financial disintermediation intensified further,Resident's demand for the diversified financial instrnments more obvious.So investors seek professional financial management to provide comprehensive financial services have become a necessary.Ningxia bank co.,LTD is a regional city commercial bank;its personal financial service starts late but developed rapid.From 7 years ago,nobody cares;now rise to at least $100 million a week in 2016.In the rapid development of personal finance services,also exposed a lot of potential risks.Such as the specialized persons for administrative finances are lacked,institutions and mechanisms are not well developed,Sales staff's professionalism not enough,interbank trade risk increasing and so on.This article through the Ningxia bank's development and risk management on the personal financial service situation.Analyzing the market risk,Operational risk,Credit risk and legal risk etc on the development of personal financial service.Dissect the problems and the reasons of risk management,on these bases,put forward to strengthen Ningxia bank's personal financial service risk management advice.Finally,make a brief summary,provide a reference to construct personal financial service on the risk management system,Promote Ningxia bank's personal financial service sustainable development,Create own personal finance brand of Ningxia bank,Better response from other national joint-stock commercial Banks on the business challenge has profound significance.