Risk Management Analysis Of Financial Products Of Commercial Banks In China

With the rapid development of our economy,disposable wealth increases,the value of wealth to become the urgent needs of the residents,this to the development of our country commercial bank financial products has brought the huge market potential.Is in the financial market in China from the disorderly competition to the development of standardization and turning point,in the process of the development of blind and vicious competition also brought new risks to commercial Banks,to study how to properly handle the problems in the financial market development,improve the commercial bank financial product risk management system,improve the level of commercial bank management of the risk of financial products,to strengthen the supervision of financial products,is to ensure that commercial bank financial products market healthy and orderly,the foundation for the development of the specification,to promote the rapid development in our country commercial bank financial product specification is of great practical significance.In this paper,through deep systematically analyzes our country commercial bank financing products development facing the legal risk,reputation risk,operational risk,market risk,such as risk points,the problems existing in the risk management of commercial bank financial products analyzed,it is concluded that the cause of the problems: insufficient understanding of financial product risk,the risk of financial products is difficult to measure,imperfect information disclosure mechanism of financial products,financial product monitoring system is not complete;Model based on this,this article through the establishment of risk management of commercial bank financial products for the empirical analysis,using three kinds of calculation methods of VaR,variance method,historical simulation method and montecarlo simulation method,analyzed the VaR method is used to measure our country commercial bank the rationality of structured financial products market risk management.In the end,the paper calculates VaR value by historical simulation method and montecarlo simulation method.In the end,this paper focuses on the risk of issuing financial products of commercial Banks,and puts forward relevant policy Suggestions on this basis.