摘 要
国内金融体制改革的不断深化与加速，逐步协助实体经济去杠杆并推动经济的结构化转
型，在此大背景下，针对资产管理欧亿·体育（中国）有限公司的新规定和新办法陆续出台，设立商业银行理财子公
司的需求逐步浮出水面并走向现实。理财子公司这一新形态的金融机构如何运营，特别是如
何有效进行风险管理，如何构建一套针对商业银行理财子公司健全而有效的风险管理体系并
确定配套的实施机制是摆在金融研究者面前的一道课题。
JX理财子公司作为国有大型商业银行所属，理财业务的综合市场竞争力为业内翘楚。考
虑到 JS 银行理财业务在商业银行中具有充分的代表性并且其全资理财子公司已经成立并获
监管层批准。为此，本文选取JS银行公告成立的JX理财子公司产品风险管理系统作为主要
研究对象，探讨如何构建一套适合理财子公司产品风险特征的管理系统。首先，本文在风险
管理基本理论、风险管理基本流程的基础上，联系JX理财子公司三类理财产品，识别并评估
了理财产品面临的主要风险类型，并总结了当前JX理财子公司应对上述风险的管理系统；其
次，以识别出的产品风险为出发点，分析评价了JX理财子公司当前产品风险管理系统在应对
上述风险中的不足之处以及其产品风险管理系统面临的各项挑战。最后，进一步提出了JX理
财子公司风险控制体系的完善措施。
本文的研究指出了 JX 理财子公司产品风险管理系统在应对其产品面临的各项风险中的
缺陷与不足，并对其未来的改进方向提出了建设性意见。此外，考虑到JX理财子公司正在国
内理财子公司中具有代表性意义，本文中提出的理财子公司产品风险管理系统存在的问题具
有一定的普遍借鉴意义。
关键词：JX理财子公司；理财产品；风险控制；实施机制

Abstract
Thecontinuousdeepeningandaccelerationofthereformofthedomesticfinancial
system has gradually assisted the deleveraging of the real economy and promoted the
structural transformation of the economy. In this context, new regulations and new
measures for the asset management industry have been introduced successively, and
theestablishmentofcommercialbankwealthmanagementsubsidiariesdemandgradually
surfaced and moved towards reality. It is a major topic of finance researchers that
howtooperatethenewlyestablishedwealthmanagementsubsidiary,howtoeffectively
manage its risk, how to build a sound and effective risk management system for the
wealth management subsidiary of commercial banks, and determine the supporting
implementation mechanism.
JXWealthManagementSubsidiaryisasubsidiaryofalargestate-ownedcommercial
bank, with its market competitiveness of wealth management business being around the
industry leader. Considering that the wealth management business of CCBBank is fully
representative among commercial banks and its wholly-owned wealth management
subsidiary has been established and approved by the regulatory authorities, this
article selects the risk management system of wealth management subsidiary announced
by CCB Bank as the main research object to discuss how to construct a risk control
system that fits the risk feature of its products. First of all, based on risk
management theories this article recognized the major risk factors of its products
and summarized the current risk management system. Secondly, this article analyzed
the pros and cons of current risk management system in dealing with the product risk
factors and the challenges it faces. Finally, proposing the aspects that JX wealth
management subsidiary could take in improving its risk management sysyem.
The research on the risk control of the wealth management subsidiary of CCB Bank
has a certain general reference significance for the risk control of the commercial
bankwealthmanagementsubsidiaryofthisemergingindustry.Inaddition,considering
the lack of special research on risk control in this emerging field of wealth
management subsidiaries in China, the research in this articlewill provide a leading
value reference for the risk control practices of wealth management subsidiaries of
commercial banks in my country.
Keywords: JX wealth management subsidiary; financial products；risk control;
Implementation mechanism

目录
摘 要........................................................................ I
Abstract..................................................................... II
一、绪论...................................................................... 1
（一）研究背景与意义....................................................... 1
1.研究背景............................................................. 1
2.研究意义............................................................. 3
（二）国内外相关研究文献综述............................................... 3
1.国外研究综述......................................................... 3
2.国内研究综述......................................................... 4
3.文献评述............................................................. 5
（三）研究内容与方法....................................................... 5
1.研究内容............................................................. 5
2.研究方法............................................................. 6
（四）研究创新点与不足..................................................... 6
二、风险管理基本理论.......................................................... 8
（一）风险与风险分类....................................................... 8
1.风险的定义........................................................... 8
2.风险的分类........................................................... 8
（二）风险管理基本理论.................................................... 10
1.风险管理理念........................................................ 10
2.风险管理基本流程.................................................... 10
三、JX理财子公司产品风险管理现状............................................. 13
（一）JX理财子公司概述................................................... 13
（二）JX理财子公司三类理财产品........................................... 14
1.理财资金投资标的.................................................... 14
。。。以下略