个人理财业务是商业银行中间业务重要收入来源，在存贷利差持续缩小，传统 资产负债业务面临转型的当下，个人理财业务成为银行新的利润增长点。然而，随 着个人理财业务规模不断扩大，新产品、新业务的推出，在高收益的同时也带来了 一定风险，由于产品设计、人员操作、变相高息等因素，出现了个别银行个人理财 产品到期无法兑付等问题。徽商银行个人理财业务起步较晚，也曾出现过个别产品 大幅度亏损，银行信誉受损导致个人理财业务发展一度停滞。因此，加强对个人理 财业务风险控制的研究具有至关重要的现实意义。 虽然当前国内外学者都对个人理财业务风险控制开展了系列研究，但研究成果 大多集中在一般商业银行风险共性问题上，研究针对性不足，对区域性商业银行研 究较少。特别是在当前经济新常态、个人理财市场化程度不断提高、银监机构监管 日益严格的背景下，对银行投资策略风险的研究上有待加强。本文理论价值在于对 徽商银行个人理财业务风险控制问题进行分析，找出其存在的风险点并提出相应的 控制措施，从而探索出适合区域性商业银行个人理财业务风险控制的一般性理论， 为其他区域性商业银行个人理财业务风险控制提供一定的参考。现实意义在于通过 对徽商银行个人理财业务风险控制的研究，促进个人理财业务的规范化操作，及时 有效防范和控制风险，保障客户收益的同时提高徽商银行的理财收益水平。 本文按照“提出问题、分析问题、解决问题”的思路，在充分借鉴文献和欧亿·体育（中国）有限公司 的基础上，运用文献欧亿·体育（中国）有限公司、实地调研、案例分析、问卷调查等研究方法。在对商业 银行个人理财业务等相关概念和理论基础进行梳理的基础上，结合笔者所在工作单 位实际，对现阶段徽商银行个人理财业务风险控制现状进行深入分析。利用问卷调 查和访谈法，重点对徽商银行个人理财业务在市场风险、操作风险、法律风险、信 用风险、策略风险控制等方面存在的主要问题，结合全流程控制，从风险预警、风 险识别、风险评估、风险应对、风险监督等方面分析了存在问题的成因。最后，提 出徽商银行个人理财业务风险控制优化思路及措施。研究表明，徽商银行应进一步 加强市场风险控制，合理安排个人理财资金投资方向，对利率、汇率、股票价格变 动和投资方向提前预判；规范业务人员操作行为；规范法律程序和文书；提升信用 风险的精细化控制水平；加强目标客户定位和市场细分，构建从上至下的全方位策 略风险控制体系；最终才能够全面增强个人理财风险控制整体实效性。 关键词： 徽商银行；个人理财业务；风险控制I ABSTRACT Personal wealth management business is an important source of income for commercial banks' intermediate business. As the deposit-loan spread continues to shrink and the traditional asset-liability business faces a transformation, personal wealth management has become a new profit growth point for banks. However, as the scale of personal wealth management business continues to expand, The introduction of new products and new businesses has brought certain risks at the same time of high returns. Due to factors such as product design, personnel operation, high interest rates and other factors, there have been problems such as the inability of individual bank personal wealth management products to be redeemed. Personal wealth management business started late, and there have been large losses in individual products. The bank's reputation has been damaged and the personal wealth management business has stagnated. Therefore, it is of great practical significance to strengthen the research on risk control of personal wealth management business. Although domestic and foreign scholars have carried out a series of studies on the risk control of personal wealth management business, most of the research results are concentrated on the common risks of general commercial banks, and the research is not targeted, and there are few studies on regional commercial banks. Especially in the current economy. Under the background of the new normal, the increasing degree of marketization of personal wealth management and the increasingly strict supervision of banking regulatory institutions, the research on the risk of investment decision-making strategies of banks needs to be strengthened. The theoretical value of this paper is to analyze the risk control of personal wealth management business of Huishang Bank, find out the risk points and propose corresponding risk control measures, so as to explore the general theory of risk control for personal wealth management business of regional commercial banks. The risk control of personal wealth management business of other regional commercial banks provides a certain reference. The practical significance is to promote the standardized operation of personal wealth management business through the research on the risk control of personal wealth management business of Huishang Bank, timely and effectively prevent and control risks, and protect customer income. At the same time, it will raise the level of financial management income of Huishang Bank.II In accordance with the idea of “propose a problem, analyze a problem, solve a problem”, this paper uses literature, field research, case analysis, questionnaire survey and other research methods based on the full use of literature and data. On the basis of combing the related concepts and theoretical foundations of commercial banks' personal wealth management business, combined with the actual work unit of the author, the paper analyzes the current situation of the risk management of personal wealth management business of Huishang Bank. Using questionnaires and interviews, we focus on the main problems in the market risk, operational risk, legal risk, credit risk, and strategic risk control of Huishang Bank's personal wealth management business, combined with full process control, from risk warning, risk identification, Risk assessment, risk response, and risk supervision analyze the causes of problems. Finally, the paper puts forward the ideas and measures for the risk control optimization of Huishang Bank's personal wealth management business. Research shows that Huishang Bank should further strengthen market risk control, rationally arrange investment direction of personal wealth management funds, predict the interest rate, exchange rate, stock price changes and investment direction in advance; standardize the operational behavior of business personnel; standardize legal procedures and instruments; The level of risk control; strengthen target customer positioning and market segmentation, and build a comprehensive risk control system from top to bottom; ultimately, the overall effectiveness of personal wealth management risk control can be fully enhanced. KEYWORDS:Huishang commercial bank; Personal wealth management business; Risk control1 目 录 第一章 绪论....................................................................................................1 第一节 研究背景与意义...............................................................................................1 第二节 国内外相关研究...............................................................................................1 一、国外研究现状..................................................................................................1 二、国内研究现状..................................................................................................3 三、简要述评..........................................................................................................5 第三节 研究思路及方法...............................................................................................6 一、研究思路..........................................................................................................6 二、研究内容..........................................................................................................6 三、研究方法..........................................................................................................7 第四节 本文的创新之处...............................................................................................8 第二章 本文的理论基础..................................................................................9 第一节 个人理财业务及主要内容...............................................................................9 一、基本概念..........................................................................................................9 二、主要业务内