论我国商业银行个人理财业务风险控制(国外英语资料).docVIP

论我国商业银行个人理财业务风险控制(国外英语资料) First, the main risk facing the bank to develop the personal finance business The risks that Banks face in their personal finance activities can be divided into providing consulting and consulting services Legal risk, operational risk, reputational risk, and financial planning or product developed by the bank itself The market risk, operational risk, credit risk, liquidity risk, etc Commercial Banks conduct other risks related to investment operations and asset management. (1) market risk Under the restrictions of laws and regulations and financial policies, RMB wealth management products are stable in terms of investment income Central bank notes and financial bonds are the selling points, and central bank notes, like national debt, have national credit To support, but not without market risk, the supply of bonds, price indices, interest rates and exchange rates All of these can lead to risk. The yield on renminbi wealth management products is largely expected Yields, if financial institutions lack the financial and managerial experience, will increase market risk accordingly. (2) liquidity risk Traditional bank wealth management products are more money saving products. The biggest risk of a saving money product is often thrown in Investors ignore the risk of liquidity. Savings products often do not allow investors to terminate early In the same way, the amount of money required by the banks wealth management products is larger, and when investors are in desperate need of money, and the product is not due, Investors may face greater economic losses if they come up with early withdrawals. In case of RMB deposit As deposit rates rise sharply, clients who invest in wealth management products will lose the opportunity to raise interest rates. If bank interest is raised again, the savings account will be able to withdraw the money immediately and select the RMB finance Investors cant withdraw money, and the higher rates will not be available.