商业银行个人理财业务的风险管理与控制.docVIP

PAGE PAGE 1 商业银行个人理财业务的风险管理与控制 摘要 随着中国金融体制改革的深化，金融业的对外开放也正在逐步加深，我国商业银行市场正面临激烈的竞争。为了获得更多的利润，打开更广阔的市场，我国商业银行也已经纷纷学习效仿外资商业银行，把拓展业务的重点放于中间业务上，其中为客户提供个人理财服务更是成为了中间业务的中流砥柱。但是，受金融法律制度、金融管理体制和金融市场发育程度等方面的制约，在国内发展理财业务不可避免地会遇到许多新的问题。 本文将围绕商业银行个人理财业务的风险管理与控制的主题，试从我国商业银行个人理财业务发展现状、商业银行个人理财业务的现存问题与主要风险以及商业银行个人理财业务风险管理与控制策略等三个方面展开讨论。 关键词：个人理财；商业银行；中间业务；风险管理 Commercial bank personal financing business risk management and control ABSTRACT With the deepening of Chinas financial system reform, the financial sectors opening to the outside is also gradually deepened，Chinas commercial Banks are facing fierce competition.In order to develop new profit source point, Chinas commercial Banks on the basis of using the experience of the development of foreign Banks,Will expand business priorities in the intermediary business in succession, which provides the personal finance service for the customer but also become a mainstay of the intermediary business.However, due to the financial legal system, financial management system and financial market development degree and so on, in domestic development financing business will inevitably encounter many new problems. This article will revolve around the commercial bank personal financing business of risk management and control of the subject, from our country commercial bank individual financing business development present situation, the commercial bank personal financing business of the existing problems and main risk, commercial bank personal financing business risk management and control strategy and so on three aspects to discuss. Key words: personal finance; Commercial Banks; Intermediary business; Risk management 目录 TOC \o 1-3 \h \z \u 418 一、我国商业银行个人理财业务发展现状分析 4 30713 （一）个人理财业务介绍 4 8367 （二）我国商业银行个人理财业务开展情况介绍 4 11466 1.银行理财产品规模不断扩大 4 14707 2.理财品种日益丰富 4 30079 3.产品期限呈现短期化趋势 4 31863 二、我国商业银行个人理财业务存在的问题与风险分析 5 21161 （一）我国商业银行个人理财业务存在的问题 5 31090 （二）我国商业银行开展个人理财业务的风险分析 6 2281 1. 法律风险 6 3903 2.声誉风险 8 23