Research On Risk Control Of Net Value Transformation Of Commercial Banks’ Financial Services

This article first introduced the background and reason for the net value transformation of commercial banks’ financial services,than analyzed the risk factors and the important of risk control for net value transformation of commercial banks’financial services.Last take A bank as the research object,with development of financing business risk assessment in our country as the foundation,combined with the reality of A bank net type business operation situation,first the Delphi method and analytic hierarchy process(ahp)combining the two methods,and then in the primary criterion layer and the secondary rule layer respectively choose 4 and 12 indicators,to construct comprehensive risk assessment system,Then,the weight of these indicators is calculated,and the first-level and second-level indicators of Bank A are evaluated by ahp.Finally,the comprehensive risk prevention ability of Bank A is obtained from these two indicators.The results are as follows:First,the original risk evaluation model of BANK A is optimized and improved.The research method of this paper reconstructs a brand new risk index evaluation system for net type financial management business.The analytic hierarchy process is used to select new indexes and assign new weights.Second,after completing the construction of A Bank’s risk assessment system,this paper re-analyzes and evaluates the risk prevention of A Bank’s current net wealth management business,obtains the specific risk prevention evaluation value of indicators at all levels,and finally obtains reasonable and feasible risk prevention countermeasures.According to the final evaluation results,we believe that Bank A should put forward targeted risk prevention strategies mainly from the perspective of macro environment and risk prevention.The research results of this paper are of practical significance.The research and improvement suggestions on the wind direction assessment system of Bank A can be used as A reference for the risk system of other banks in the same industry,and even the whole financial industry.They can use the risk assessment system built by themselves to evaluate their risk prevention ability and find weak links...