我国商业银行个人理财业务操作风险防范及对策.doc

我国商业银行个人理财业务操作风险防范及对策 Abstract With the promotion of the global financial industry,the degree of financial globalization has continued to improve,China’s commercial banking has great enthusiasm in financial innovation.At the same time,China’s economic development is sustained and stable,the increase of China’s income per person,the current commercial banks’ financial business development focus is to provide consumers with personalized financial services personal financal business.Due to the restrictions such as the financial management system,development of financial market and the legal system of the finance,etc,the development of personal financal business will meet a lot of risks,the operational risk is commerical bank financing business risk management of the key.In recent years,major financial cases resulted in huge losses for banks and affect social harmony.Internal control plays an important role in the prevention and control of personal financial management of operational risk. Therefore, This paper mainly uses the method of linking theory with practice,make full use of the related documents for relevant aspects of the latest theory,the use of the comparative analysis of the differences and gaps of the personal financal business operational risk management of domestic and foreign commercial banks, and with the reality of our country, summarizes the method using the proposed in commercial Banks internal control, from the perspective of the personal financial management business operation risk prevention and some countermeasures that should be adopted. Key words commercial banks；personal financing；internal control； operational risk；countermeasure 绪论 1 第1章 研究背景和选题的意义 2 1.1 研究背景 2 1.2 研究的目的及意义 3 1.3 国内外发展现状 4 1.3.1 国外发展现状 4 1.3.2 国内发展现状 7 第2章 个人理财业务操作风险的一般理论 8 2.1 商业银行个人理财业务概述 8 2.2 商业银行操作风险概述 9 第3章 我国商业银行个人理财业务操作的现状及存在的问题 11 3.1 我国商业银行个人理财业务操作风险现状 11 3.2 存在的问题 12 3.2.1 内部控制文化缺乏认同 12 3.2.2 内部控制体系不完善 12 3.2.3 内部审计部门监督作用有待提升 13 第4章 个人理财业务操作风险的防范对策 14 4.1完善