Research On Risk Control Of Personal Financial Services Of Changchun Aural Commercial Bank

Since the release of the first standard bank wealth management product in 2004,bank wealth management has developed in China for nearly 16 years.As of the end of 2018,the balance of wealth management funds has reached 22.04 trillion yuan,and the compound growth rate after 2009 has exceeded 50%.Due to the characteristics of the bank's wealth management fund pool operation,rigid payment,and non-standard investment,bank wealth management actually quickly created a shadow bank outside the bank's balance sheet.As the development progresses,the problems are superimposed and embedded in multiple layers.Under the business model,the source and destination of funds cannot be penetrated,and financial management has become a way for commercial banks to regulate regulatory indicators,which has resulted in distortion of regulatory indicators and difficult management of risks.Changchun Rural Commercial Bank launched the first wealth management product in 2012.As of the end of 2018,the balance of personal wealth management products of Changchun Rural Commercial Bank was 9.112 billion yuan.The wealth management products of Changchun Rural Commercial Bank have the characteristics of low threshold,high flexibility,and high security.It issues different types of wealth management products to meet the needs of a variety of people.Therefore,the wealth management business of Changchun Rural Commercial Bank provides customers with high-quality wealth management products.Word of mouth has become one of the sources of income for the intermediate business of Changchun Rural Commercial Bank.However,with the development of business,the market risks,legal risks,and reputation risks faced by Changchun Rural Commercial Bank have also become urgent problems,especially in terms of risk management concepts,risk technologies,internal control mechanisms,and lack of relevant management experience and In terms of talents,there is an urgent need to formulate more specific and targeted optimization strategies.In terms of establishing internal risk management systems,risk management procedures,and personal wealth management risk management systems,it is necessary to continuously improve and improve the wealth management business of Changchun Rural Commercial Bank.The transformation and compliance development and the sustainable and healthy development of wealth management business are of great significance.This paper has collected a large number of domestic and foreign literature on financial risk control.Based on the data collected from Changchun Rural Commercial Bank's personal wealth management business,this paper uses volume and total analysis,qualitative and quantitative analysis,static and dynamic analysis and equilibrium Analysis and non-equilibrium analysis are used to analyze and study the risk control of personal wealth management business of Changchun Rural Commercial Bank.From the perspective of risk control,how to improve the risk control system and implement risk control measures of Changchun Rural Commercial Bank,and implement dynamic processes and mechanisms to prevent,manage,and monitor and correct financial business risks beforehand to achieve business goals and ensure financial business Effective management and development.The cornerstone of commercial banks' personal wealth management business is risk control,and the core of risk control is to establish a sound corporate governance structure and a sound internal control system.Based on the four theories of corporate governance theory,internal control theory,self-interest behavior theory,and credit rating theory,this article starts with the commercial bank's own risk control and combines the characteristics of Changchun Rural Commercial Bank Asset Management Center with its risk control measures and information disclosure.Analyze the system and break the rigid payment,correct the problems in risk control,improve the risk management system of Changchun Rural Commercial Bank Asset Management Center,and improve the level of internal control.Ensure the effective implementation and implementation of regulatory guidelines,policies and regulations,effectively prevent the risks of wealth management business operations,and contribute to the sustainable development of the bank,the wealth of wealth management products and the intermediate business income.