Study On The Risk Management Of BH Bank Agency Fund Business

In recent years, people’s living standards have improved significantly, their savings have become more and more abundant, so the demand for personal investment and product types are also gradually increased. Based on this, the commercial banks based on the continuous expansion of income channels and the growing middle of the business, is still the main force of the fund to sell. BH bank as the banking industry new force, the rapid development of fund distribution business growth, but only for the primary stage of development, and will face a variety of risks and risk management will encounter various difficulties and problems.In this paper, BH bank fund underwriting business risk management as the research object, using the survey method, data analysis method, analysis and synthesis methods, from the current situation of BH bank’s fund distribution business, identify the market risk, in the agency fund business of BH bank’s operational risk, legal risk and reputation risk. Analyzes the problems faced by BH bank in the process of risk management, and deeply explores the internal causes and external causes of these risks. Then, aiming at the fund risk management process of BH bank, combined with my experience at the BH bank, respectively from the three aspects of risk management objectives, finally from risk management culture,information communication and supervision two the construction for the consignment fund business risk management system of BH bank guarantee measures. Hope to provide reference for the improvement of the BH bank fund distribution business risk management level.The structure of this paper: the first part summarizes the research background, status,contents and methods and significance; the second part background and the development status of the fund business of commercial banks in China to do the interpretation; the third part is the risk of BH bank consignment fund business and exploring the specific analysis; the fourth part is the construction of the fund operation risk the management system of BH bank’s suggestions and specific measures; the fifth part introduces the safeguard measures of fund business risk management system of BH bank. This paper attempts to further improvement and development of BH bank fund underwriting business risk management system to provide reliable theoretical guidance on risk management, also hope that the industry fund business plays a certain reference role.