A Study On The Risk Of China Commercial Bank Financial Products

Financial products market has developed fast since the first financial product was put on sale in 2004.Until 2016,the scale of commercial bank financial products has been to the extent of 192802 billion yuan.But with the development of the scale of financial products,some negative events of the financial products market emerge.For example,the financial products tear up the contract.The financial products suspend payment.The negative events attract attention of the investors and the commercial bank to the risk of the financial products.The development of the financial products market can be promoted by researching the risk of the financial products.First of all,the situation of the financial products is explained in the text,including the scale of the financial products market,the motivation of offering,operation pattern.Then the liquidity risk,the credit risk,the interest risk of the financial products is explained.The liquidity risk is measured by liquidation expenses.The main existential problem of liquidity risk management is the maturity mismatch.The solutions to the liquidity risk include the reasonable arrangement of asset maturity structure.Calculating the value at risk can measure the credit risk.The main existential problem of the credit risk management is the change in the quality of assets.The solutions to the credit risk include asset diversification,controlling asset quality.The interest risk can be measured by delta.The main existential problem of interest risk management is the interest rate fluctuation.The solutions to the interest risk include the interest rate sensitivity analysis,duration analysis,immunization strategy.In the final,I make a summary of the article and offer my proposal.