Current Problems And Countermeasures Of Risk In Commercial Bank' Individual Retail Business

Along with our country to improve the comprehensive economic level,the increase of people's income has been good,the pursuit of people also from traditional conception to live and work in peace and contentment is turning to the accumulation of wealth and value,and value,so the demand for financial services is becoming more and more high,more and more diversified,not just for interest payment,storage,for investment and financing or guarantee insurance also has a great deal of interest.At the same time,people's consumption concept has carried on the transformation,also began to use the method of consumer credit to improve their standard of living,which makes higher demand for financial services.In addition,the financial markets have been mature,appear more and more investment products,with the understanding of people for investment products,participate in the level of investment is more and more widely.Commercial Banks as an important financial institutions,of course,are the main way of financial investment and finance,the individual retail business for commercial Banks will face great challenge.And now the rapid development of science and technology,information age matures,lead to the emergence of financial criminals continuously in people all aspects of finance and investment,serious harm to people capital is safe.Under the current background,completes the individual retail business of commercial bank risk management and control is of great importance.For now,the individual retail business of our country development is in good condition,but and foreign financial industry or commercial Banks,but there are a lot of problems,including internal control system is still not mature,the individual retail business development speed very quickly,but individual retail business risk management and prevention is not well.In addition,the business of commercial Banks is a high risk of business,the risk of individual retail business is more common.The personal development of retail business,enrich the investment products,but the risk control of commercial Banks has not been synchronized ascension,cause the individual retail business still exist many risks.Do a good job in the understanding of the risk in a timely manner,therefore,to strengthen all aspects of risk control and risk management,in order to better conform to theprinciple of "security" of commercial bank.This paper is aimed at our country of the current condition of the individual retail business risk management of commercial bank,MinSheng bank,for example,summarizes the status of the individual retail business development;Analyze the problems that exist in the individual retail business risk management and its main factors;Explore the countermeasures to guard against and dissolve the risk;For the development of our country commercial bank individual retail business to provide a reference.Main innovation points are as follows: first,the current research on the risk management of commercial bank individual retail business,mainly from the electronic banking risk management,wealth management business analysis risk management point of view,this paper is a comprehensive,integrated research of commercial bank individual retail business risk management issues;At the same time,the MinSheng bank,for example,this paper makes the results more combined with the actual situation.Second,the commercial bank individual retail business risks are various aspects,subject to a variety of factors,the risk management research Angle of view is different,the conclusion is different.Based on case study method,this paper analysis the prevalence of commercial Banks,have certain innovation in research methods.