Abstract
Abstract
With the improvement of disposable national income per capita, the demand for
investment and financial management in our country is rising. Personal financial
services of commercial bank have become the preferred choice for individual investors
by virtue of their advantages such as rich product types, considerable investment returns
and low threshold for purchasing. However, the development of personal financial
related business of domestic commercial banks is relatively slow, and the related
financialsystem, lawsand regulations,financial marketnorms,and investors'
investment ideas and awareness are not maturely enough. In a comprehensive view, the
development of commercial banks is still facing many problems. In this context, this
paper refers to the research points of relevant scholars at home and abroad, and takes the
personal financial business of Xinjiang branch of China Guangfa bank as the starting
point. Combined with the actual problems of the branch to in-depth analyzes the risk
management and control of its personal financial business.
The purpose of this paper is to study the risk issues that closely related to personal
financial management business of Xinjiang branchof China Guangfa bank, and
combine with the market background and development status, and analyze the internal,
external, main and objective reasons of the risks, and use the methods of literature
research, quantitative analysis, qualitative analysis, questionnaire and interview. The
paper puts forward the corresponding strategy plan from the aspects of establishing and
perfecting risk monitoring system and optimizing internal and external management
mechanism.
Firstly, the paper expounds the elements of personal financial business and the
development status quo, and through the qualitative analysis of its risk, the main
internal and external reasons for the riskare determined. Secondly, through the
questionnaire method, the key post personnel investigation of China Guangfa bank is
completed. Combined with the comparison of the current development status of the
same industries and the problems exposed in the internal and external inspection, the
problems and the reasons for the asset management, internal supervision, external
supervision and sales management are concluded. Finally, focusing on the present
II
Abstract
situation and cause of formation of the risk points of personal financial management
businessof Xinjiangbranchof ChinaGuangfabank,and putsforwardthe
Countermeasures：by referringto foreignbanks’ advanced experience inrisk
management and control of personal financial management , anddetermines the
optimization direction from the perspective of management process and sales process.
The key directions of improvement are the optimization of risk management system
process, access to asset target and management risk control, and risk control of internal
and external sales management. The paper puts forward the corresponding strategies of
risk management and control with pertinence and practicality.
Based on the current development status of domestic personal financial business,
this paper takes Xinjiang branch of China Guangfa bank as a specific case to conduct an
in-depth research, and provides practical and feasible optimization suggestions for the
problems existing in risk management of personal financial services. So as to solve the
risk management problems which is related to personal financial management for
Xinjiang branch of China Guangfa bank, so as to facilitate the better development of its
business.
Keywords：personal financial；commercial banks；risk management
III
目录
目录
第1章绪论...................1
1.1研究背景及意义...............1
1.1.1研究背景...................1
1.1.2研究意义...................2
1.2国内外研究现状...............2
1.2.1国外研究现状..................2
1.2.2国内研究现状..................4
1.2.3研究综评...................6
1.3研究内容及方法...............6
1.3.1研究内容...................6
1.3.2研究方法...................7
1.4技术路线图................8
1.5研究创新与局限性..................8
第2章个人理财业务风险管理与控制相关概念及理论........10
2.1银行个人理财业务相关概述..............10
2.1.1个人理财业务概念...............10
2.1.2个人理财业务分类...............10
2.2个人理财业务风险管理概述..............12
2.2.1个人理财业务风险管理概念.............12
2.2.2个人理财风险的分类...........12
2.3相关应用理论概述................14
2.3.1生命周期理论................14
2.3.2投资组合理论................14
2.3.3风险偏好理论................16
第3章广发银行新疆分行个人理财业务发展现状与风险管理现状分析........17
3.1广发银行新疆分行发展现状..............17
3.2广发银行新疆分行个人理财业务发展现状分析..........17
3.2.1广发银行新疆分行个人理财业务现状描述..........17
3.2.2广发银行新疆分行个人理财业务特点与优势......19