Research On Risk Management Of Financial Management Business Of Y Rural Commercial Bank

In the 21 st century,China’s economy has shown a trend of sustained growth.At the same time,China’s per capital GDP has also maintained a trend of continuous growth.Personal and household assets have continued to increase,so that most residents also have diversified needs for financial management,which is no longer limited to storing personal assets in various banks.Based on such strong demand for financial management,domestic commercial banks have seized this market opportunity and played their own advantages to win a share in the personal financial management market.In a short period of time,personal financial services have gradually taken shape in commercial banks and are still expanding,creating new economic benefits for commercial banks.Y Rural Commercial Bank has performed well in personal financial management.The bank’s financial management sales have been operating since 2016,and the annual sales amount can reach 714 million yuan.Up to now,the annual sales amount can reach more than 4 billion yuan.However,the high operating income is bound to be accompanied by risks.In the stage of planning,this paper adopts literature method,case study method,field research method,analytic hierarchy process and cloud model calculation methods,based on the life cycle theory,comprehensive risk management theory and portfolio theory as the scientific basis of this paper,to study the risk management of personal finance business of Y Rural Commercial Bank.First of all,the real situation of risk management of personal finance business of Y Rural Commercial Bank was investigated and studied.Secondly,the Delphi method and expert questionnaire method are used to identify the risks of personal finance services,identify six dimensions of risk factors and subdivide 21 second-level indicators.On this basis,the analytic hierarchy process is used to sort the weight of indicators,involving legal,operational,market and other risks.Next,in order to better evaluate the risk management,this paper uses the cloud model to build a risk management evaluation system for analysis and evaluation results.Finally,with the help of Matlab tools,a comprehensive cloud and a standard cloud are produced for comparative analysis.Combined with the analysis results,the risk level of Y bank’s financial services is defined.After determining the comment set and standard cloud and drawing the cloud model map through the comparison of the two,the result analysis was carried out,and the conclusion was drawn that Y Rural Commercial Bank was in the middle risk level at present.These risks will greatly affect the healthy and stable operation of Y Rural Commercial Bank’s personal finance business,so it is urgent to solve them.Finally,this paper puts forward suggestions on the existing problems in dealing with Y Rural Commercial Bank’s personal finance business risks from six aspects,namely market risk,operational risk,liquidity risk,credit risk,legal risk and reputation risk,so as to promote the development of Y Rural Commercial Bank’s personal finance business.The research in this paper can provide guidance or reference for Y Rural Commercial Bank to strengthen personal financial management.It will help Y Rural Commercial Bank to achieve the goal of comprehensively managing the risk of personal financial services,and help Y Rural Commercial Bank to comprehensively improve the efficiency of risk management of personal financial services.