Research On Risk Management Of Personal Financial Services Of H Bank Shijiazhuang Branch

With the sudden and rapid development of China's economy,the increase in national income,the increasing amount of leisure funds in people's hands,and the accumulation of wealth brought about by the increase in income have prompted people to seek investment channels for the accumulated wealth after satisfying their basic consumption needs.I hope my wealth can be preserved and appreciated continuously.The financial management business has attracted more people's attention because of its characteristics such as higher stable income and low risk compared with stocks and insurance businesses.However,in recent years,a series of cases such as the default of financial management products that have expired and can not be paid have broken out frequently in commercial banks,exposing the supporting measures for financial management business in China.Such as laws and regulations,wind control system and product pricing mechanism and other issues that do not match the development of commercial banks 'personal wealth management business,resulting in chaotic and irregular financial products market situation.In this context,this paper analyzes the problems and risks in personal wealth management business from the perspective of commercial banks.Firstly,it analyzes the current mainstream views on credit risk,market risk and operational risk;then proceeds from financial management,personal finance and risk.The definition and development process of management and control introduced the risk management and control of commercial banks' wealth management business.After that,the Bank of China Shijiazhuang Branch was selected as a case to analyze the current situation of the personal wealth management business of H Bank Shijiazhuang Branch and the shortcomings and causes of risk management.More systematic,more logical and targeted solutions;finally,prospects for the development of personal wealth management business of Shijiazhuang Branch of H Bank,which is of great significance to improve the personal wealth management business level and service level of Shijiazhuang Branch of H Bank.The risk management of wealth management business also has certain reference value.