摘 要
随着我国的经济飞速发展，百姓的收入和生活水平都得到了显着提高，对于个人投资的多样化需求也日益强烈。商业银行个人理财业务的推出满足了我国居民对金融商品多样化、个性化的投资理财需求，越来越多的百姓选择将钱投资于商业银行的个人理财产品。F银行充分挖掘个人理财市场的巨大潜力，不断开发理财新产品，发展个人理财业务，但在获得丰厚利润的同时，也面临着理财业务带来的各种风险及风险管理过程中产生的许多问题。
本文从F银行的基本情况概述出发，介绍了F银行的个人理财业务现状，对F银行在市场、法律、操作、信用这四个方面可能存在的风险进行识别。在此基础上，分析了F银行风险管理过程中可能存在的问题，并重点分析了风险管理的问题产生的原因。本文从外部和内部两个角度入手，就内控制度、人员素质等问题展开了细致的讨论。最后，针对F银行目前风险管理中存在的问题，分别从目标、风险识别、风险应对、信息监督等方面提出了构建F银行个人理财业务风险管理体系的建议，希望对于F银行个人理财业务的发展提供借鉴指导意义。
本文共分为四个部分。第一部分，绪论。本部分内容包括研究背景、研究意义、国内外研究现状及研究内容和框架。第二部分，个人理财业务基本概念及相关理论分析。
在大量阅读商业银行个人理财业务相关文献的基础上进行整理、梳理和总结，作为本文研究的理论基础。第三部分，F银行个人理财业务风险分析。首先，对F银行的基本情况和个人理财业务现状做简要介绍，对个人理财业务中存在的问题进行了分析；然后对F银行个人理财业务中存在的风险进行了识别，并指出风险产生的原因。第四部分，F银行个人理财业务风险管理改进建议。针对上文指出的个人理财业务中存在的问题及产生风险的原因，从目标、风险识别、风险应对、信息监督等方面分别对F银行个人理财业务的风险管理体系的建设提出建议。
关键词：商业银行；个人理财；风险管理
Abstract
With the rapid development of economy in our country, the people's income and livingstandard have been significantly improved, the diversified demand for individual investmentis increasingly strong. Commercial bank personal financing business of financial commoditydiversification and individuation of the residents in our country finance and investmentdemand, more and more people choose to invest in commercial bank of personal financeproducts. F bank fully tap the huge potential of the personal finance market, constantlydevelop new products, develop personal financial business. But in to reap profit at the sametime, also faces the financing business of all kinds of risk and risk management process ofmany problems.
In this paper, starting from the basic situation overview of F Banks, this paper introducesthe present situation F bank personal finance business,identify the risk in market, law,operations and credit this four aspects. On this basis,analyzed the may exist problems in theprocess of bank risk management, and analyses the cause of the problem of risk managementin F bank. This article obtains from the external and internal two aspects, internal controlsystem, personnel quality, etc for detailed discussion. Finally, combined with the author's ownwork experience, in the bank for F problems existing in the current risk management of bank,respectively from the target,risk identification, risk response and information supervision andputs forward the constructing F bank personal financing business risk management system ofthe suggestion, hope for F bank personal finance business development to provide referencesignificance.
This article is divided into four parts. The first part is the introduction. This part includesthe research background, research significance, research status at home and abroad and theresearch content and framework. The second part is the basic concept of personal financebusiness and the related theoretical analysis. On the basis of a lot of reading commercial bankpersonal financing business related literature sorting, combed and summarized, as this paperstudies the theoretical basis. The third part is F bank personal financing business risk analysis.
First, on the banks of the brief introduction of the basic situation and the status quo of thepersonal financial management business do,the problems that exist in the personal financebusiness is analyzed. Then we recognized the existing risk in personal financing business in Fbank, and points out the causes of risk. The fourth part is the advice for constructing F bankpersonal financing business risk management system. In view of the above points out theproblems existing in the personal finance business and the causes of risk, from the target, riskidentification, risk response and information supervision of F bank personal finance businessput forward Suggestions for the construction of the risk management system.
Key Words: Commercial Banks; Personal Finance; Risk Management
目 录
摘要
Abstract
1绪论
1.1研究背景及意义
1.1.1研究背景
1.1.2研究意义
1.2国内外研究现状
1.2.1国外研究现状
1.2.2国内研究现状
1.3 研究方法与内容
1.3.1 研究方法
1.3.2研究内容
2个人理财业务基本概念及相关理论分析
2.1个人理财业务的界定
2.2个人理财业务的分类
2.2.1按照管理运作方式分类
2.2.2按照资金运用目的分类
2.2.3按照服务方式分类
2.3个人理财业务的风险
2.3.1 市场风险
2.3.2操作风险
2.3.3法律风险
2.3.4信用风险
2.4个人理财业务的基本理论
2.4.1 生命周期理论
2.4.2现代投资组合理论
2.4.3资本资产定价模型
2.4.4金融创新理论
3 F银行个人理财业务风险分析
3.1F银行个人理财业务现状
3.2F银行个人理财业务风险识别
3.3F银行个人理财业务风险管理存在的问题
3.4F银行个人理财业务风险产生的原因
3.4.1F银行个人理财业务风险产生的外部原因
3.4.2F银行个人理财业务风险产生的内部原因
4 F银行个人理财业务风险管理改进建议
4.1规范内部环境与明确风险控制目标
4.1.1基于全面风险管理理念建立理财业务风险管理体系
4.1.2建立风险内部监督审核机制
4.1.3制定并实施风险限额制度
4.2构建F银行风险识别流程
4.2.1构建F银行理财风险识别体系的建议
4.2.2 F银行理财业务风险识别方法的建议
4.3各类风险的应对策略
4.3.1市场风险的防范
4.3.2操作风险的防范
4.3.3法律风险的防范
4.3.4信用风险的防范
4.4完善信息沟通与监督机制
4.4.1 客户评估规范化
4.4.2信息披露机制完善化
参考文献
