Study On Risk Management Of Personal Financial Service Of LiCheng Branch Of Agriculture Bank

With the improvement of residents' income level and the change of investment philosophy,the demand for personal investment has diversified and intensified.The commercial Banks' review of the situation and the introduction of personal finance services to a certain extent satisfied the investment needs of the residents,and also contributed to the increase of the bank's income.But,because of the personal finance business compared with other bank business development time is shorter,not enough mature,makes the commercial bank personal finance business is still has some problems,than is in risk management problem is more serious,has affected the healthy development of personal finance business and continuing operations of the bank.In this paper,the author selects the urban branch as the research object,and carries out the risk management of personal finance business as the research content.In recent years,LiCheng branch personal finance business has developed rapidly,with the increase of bank personal finance business sales,business risk management also gradually exposed,the problems of become li LiCheng branch need to be pay attention to and solve the problem.First of all,the thesis mainly combing and summarizing relevant literature at home and abroad,expounding relevant concepts and theories of personal finance business,and providing a theoretical basis for studying the whole thesis.Secondly,it briefly analyzes the general situation of personal finance services in the branches of urban districts,and the current situation of risk management of personal finance business,including risk management guarantee,legal risk management and operational risk management.On the basis of this,the main problems of personal finance risk management are analyzed,including the imperfect risk management system of personal finance business.The customer risk assessment is not in place,there is an option to mislead the customer to choose the high score,or even directly replace the customer for risk assessment,etc.;Product risk disclosure is not sufficient,there exists to promote wealth management products to investors,one-sided exaggerated financial products revenue,deliberately conceal financial products risk and other behaviors.Then,it has established a comprehensive risk management system for personal financial management in the former,the event and the post.Among them,the advance is mainly the risk prevention,including product promotion;Risk assessment,including customer assessment and disclosure;Post-mortem is a risk response,including customer response and complaint handling;Finally,the effective implementation of comprehensive risk management system to ensure personal finance,from the concept of risk management,culture,information and personnel security measures,including changing the concept of personal finance risk management,create a good risk management culture,the establishment of comprehensive risk management information system and improve the quality and capacity of wealth managers.In this paper,the study aims to solve the problem of LiCheng branch personal financial management business risk management,promote the LiCheng branch set up complete personal financing business risk management system,improve the bank's risk management consciousness,promote the healthy development of personal finance business.At the same time,the research of this paper can provide some guidance and reference for other commercial Banks of the same level and scale to solve similar problems.