商业银行个人理财业务问题和风险研究.pdf

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焚文摘璎 ABSTRACT IIl rec:ent ye躺,willl tlle rapid developm铋t of ollr national。conomy,peopletS disposable i11come incre弱髓伊adually’ meir fin锄cial m锄agcment conc印ts S仃铋gth%咖ally’t量le fin锄cial service roquirement become more diVerse.On tlle otller h甜ld,along winI tlle incre豁in舀y opI髓of Chinafs fin锄cial sySt锄,tlle 咖etition of∞mmercial baIll鸥,no ma仕凹thc b锄l【s a舱fbm home or abroad’is ilItalsctlle蛔diti伽Ial deposit b璐in娼s is强呦dy di唧ed,100l【ing内r a new pmfit gmw廿l point js船ch bafll【’s illlp黝tiVe method.Th衲r岛l置le dc’,elopment of t11e pc稿0nal缸锄cial m锄昭锄ent b璐in麟is rcgardcd弱the most impc嘞nt point of tl坞dcvcl叩ment of C0伽黼ial balll(S’锄d the蒯s of botll tIle姒pply锄d tlIc d锄孤d南r me deVelopment of commercial Bmlcs c陀ate a broad mad【et space锄d d佻Iq髓锄t ofllle群稿0nal肋如cial m锄ag锄ent b璐ine鹦. hl∞ccnt yea硌Ⅱle bank’s岬nal fiIl锄Idal seⅣic妫develop rapidly’but t11e鹏 a坞al∞m锄y pmbl锄s aIld—sl【,t0 dis伽鼹tlle咖bI锄of tlIe雕嬲伽I 6l瑚ncial m锄la{弘nent b瑚iIle豁锄d risk m鲫脚∞l舫m也e觚翻e of廿le b鞠l(’is b镪lcfit to 。 d髓p屺mng our b龇ll【’s o行.bal锄Ce sheet busin髂s res黜h.TlIis硎cle如cus伽tlIe p黝nal 6n锄dal m柚ag锄锄t b憾ine器aIld tlIe呻blems a11d risk of China.S commercial B锄l【s,锄d tlle impfov锄饥tIn钧渊are哪sed’锄d而sh t0 pm讥de useM幽ce t0 the deVelopment of the p蹦跚al 6n柚cial m锄a静n朗t b憾in鹤s. This papef riougIlly f0Ilows蛐ch tllou暑蛳t0 sp蒯伽t:Ⅱl∞reIical b雒is, qu岱tio懿,锄aly甄s,probl锄畸solViIl吕and filIly伽曲0di岱me o咖洳illing tlle0巧1Ⅳi廿I 删ice principle.Firstlynle paper putS向rw硼some呻blems坯i双i11 commercial baIll【wllile dwelopiIlg p蹦的nal fil姗cial seⅣic髂,鲫ch私insu伍cient a他埘om lack of prodllct锄d br觚d c0粥饥lIction,technolo科锄d talent鳓ppon is weal【,nsk con缸Dl abil主够is nOt s的ng觚d∞锄,勰d 6nd out the r期【s0璐oftlle b船ic p∞bl锄;Then 锄alyS器the riSk we a他国cing nowincludiIlg inte麟t fate risk,legal risk,0pe豫1的n risk,credit risk,reputation risk,etc.;According to tlle problems and the riSk,ill me f.0lll】幽tion of Ie锄ing 如rei舒 adV锄ced exp耐e110e we put fo阳ard tlIe con.es】ponding co豫t锄e嬲u嘲,觚d mal【e ever)r effort t0 mal【e ollr own fin觚cial sen,ice sySt锄,∞tllat ttle pefS蚰al 6n锄cial m锄ag锄1an

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