交通银行理财业务存在的风险及防范研究解析.doc

摘　　　要 我国理财业务市场经过了改革开放之后三十多年的发展，由以往较小的局面发展成如今占据了银行业务的重要比重，可以说，发展速度十分可观，此外，理财市场的发展离不开市场规范的引导，市场的规范化程度提高了，市场的发展进入了平稳增长的阶段，我国的理财市场才能更进一步的发展壮大。近年来，我国理财市场违约的案例一再出现，这与我国理财市场的急速扩张却缺乏有效的约束性有关，尤其是部分互联网P2P公司经营不善倒闭，这是由于我国的理财市场尚不完善，很多产品对机构投资者而言比较单一，这使得机构投资并不能有效促进市场，所以出现了很多投机产品蒙骗消费者。 交通银行是我国历史最悠久的商业银行之一，也是建国之后成立的第一家股份制银行，交通银行立行根基是成为中国最佳财富管理银行。交通银行交通银行经过十几年如一日的发展，个人理财业务发展到了一定的成熟阶段，但是并未完全成熟，在交总行大力发展零售市场的战略定位下，交通银行也审时度势，根据本行自身的情况制订了角逐理财市场的一系列行动计划，开展了与信托、券商、保险公司的多层次合作，在市场上具备了一定的竞争能力。本文以交通银行为例，梳理了个人理财市场业务的相关概念，研究了理财市场可能发生的风险，对于可能发生的风险提出了相关对策予以防范。 关键词：交通银行 理财业务 风险防范 The Study of Risk and Prevention of Changchun Bank of Communication in Jilin Province Abstract: Our financial services market after the reform and opening up after thirty years of development, from the previous situation to develop into smaller now occupy an important proportion of banking can be said that the development speed is very impressive, in addition, financial market development can not be separated guide the market norm, the degree of standardization to improve the market, development of the market has entered a stage of steady growth, the financial markets in order to further the development of Chinas growth. In recent years, Chinas financial market defaults recurring case, which is Chinas financial market, but the rapid expansion of the lack of effective binding, in particular in the part of the Internet P2P bad company closed down, which is due to Chinas financial market is not perfect, a lot of products for institutional investors is relatively simple, which makes institutional investors can not effectively promote the market, so there are a lot of speculative products to deceive consumers. Bank of Communications is one of the oldest commercial bank, the first joint-stock banks also after the founding of the establishment of the Bank of Communications Li line is the foundation of the Bank of China to become the best wealth management. Changchun Branch of Bank of Communications, aft