Case Analysis Of "Fly Sheets" By China Construction Bank And Industrial Bank

In recent years,with the rapid development of commercial banks,commercial banks have achieved good results in structural transformation and business development.The outstanding representatives are the rapid development of wealth management services in commercial banks.By the end of 2017,our country commercial bank financial remaining balance reached about 30 trillion yuan.As a new wealth management investment tool,diversified wealth management products can meet the investment needs of all kinds of residents and interbank peers on the one hand,and realize the preservation and appreciation of wealth.On the other hand,the development of wealth management business by commercial banks has realized a new profit growth point and promoted the development and growth of its own strength.However,due to the short development time of China's banking wealth management business,both the regulatory policies and the bank's internal management have some problems and shortcomings,resulting in the frequent occurrence of "fly bills" in the bank's wealth management business in recent years.This article takes CCB and Industrial Bank billions of financial peer "flyers" case as an example to conduct an in-depth discussion,which is a very typical "fly single" cases,but also relates to the single largest amount of "flyer" issue,the entire bank Financial management market has a strong alert role.After expatiating on the background,purpose and significance of the topic selection,this article makes an in-depth analysis of the "fly-sheets" case between CCB and Industrial Bank.The internal factors for the case are: product pricing unreasonable,bank employee moral hazard,improper bank management of Bank of China and Industrial and Commercial Bank of China dereliction of duty;external factors are: lack of relevant laws,industry regulation exist Loopholes,immature market environment,etc.,and then described in detail the impact of the case on all parties.Finally,this article draws on advanced foreign experience,and in connection with the actual situation of the domestic financial market development of commercial banks,put forward some targeted recommendations to regulate the healthy development of financial markets in commercial banks,including: to improve our market environment and related laws and regulations and the industry Supervision and make up for legal and regulatory loopholes;improve the bank's internal risk management mechanism to enhance risk prevention and control capabilities;investors raise awareness of investment safety and avoid potential risks.