摘要

进入本世纪，我国商业银行进入高速发展阶段，银行与银行之间抢夺市场、争夺客户，竞争趋于激烈。人理财业务就是在这一背景下逐渐发展起来，在短短的几年间就已经形成规模，从以往的鲜有人知到现在的家喻户晓。产品的种类也从几种扩展到现在的上千个品种，包括了人民币和外汇的资产管理、财务规划、投资顾问等，发展到至今已经被人们所接受，并且在未来展现出极大的潜力。但从另外角度来看，商业银行个人理财业务的迅速发展与我国的金融市场发展程度并不协调，很多商业银行的个人理财产品遭受到信誉危机，出现无收益以及大亏损的情况。银行以及监管部门对个人理财产品的风险控制也面临极大困难，存在诸多问题。

本文首先从我国商业银行个人理财业务发展的背景入手，研究了我国个人理财市场发展的巨大潜力，结合国内外相关学者的研究成果对历年个人理财业务的风险防控问题进行总结。其次，探讨了个人理财业务风险防控问题对个人理财以及商业银行发展的重要意义；并理论角度分析了个人理财业务的概念和特点，对其理论基础进行阐述，并从宏观角度阐述了国外和国内个人理财产品的发展现状，为后文的进一步论述奠定理论基础。再次，来本文介绍了商业银行个人理财业务所面临的四方面的风险，即市场风险、信用风险、操作风险以及法律风险。最后，本文结合美国、香港和日本商业银行的风险防控经验提出针对四方面风险控制的对策和建议，以期对商业银行以及投资者在个人理财产品的风险防控上提供理论支持。

关键词：商业银行；个人理财业务；理财产品

ABSTRACT

Internal Beginning of this century, China’s commercial banks to enter the stage of rapid development, to snatch the market between banks and banks compete for customers, the competition grew more intense. Financial Services who is in this context that gradually developed, in just a few years has been the formation of scale, few people know from the past to the present known. Product range has expanded from a few to thousands of species present, including RMB and foreign exchange asset management, financial planning, investment advisers, the development has already been accepted, and in the future to show great potential . But from another perspective, the rapid development of financial markets and the degree of development of China’s commercial banks personal financial services are not coordinated, many commercial banks personal financial products suffered a crisis of credibility, the case appears no large losses as well as gains. Banks and regulatory authorities of the risk control of personal financial products is also facing great difficulties, there are many problems.

Firstly, the background of personal financial business development start to study the huge potential of China’s personal financial market development, combined with domestic and foreign research scholars of the calendar year of personal financial services risk control issues summary. Secondly, discusses personal finance and commercial banks the importance of personal finance business risk prevention and control issues; and theoretical analyzes the concept and characteristics of personal financial services, elaborated its theoretical basis, and from a macro perspective of the foreign and the development situation of personal financial products, laid the theoretical foundation for further discussion later. Again, this article describes the risk to the four aspects of personal financial business face, namely market risk, credit risk, operational risk and legal risk. Finally, this paper empirical risk prevention and control of the United States, Hong Kong and Japanese commercial banks put forward countermeasures and suggestions for the four areas of risk control, with a view to commercial banks and investors to provide theoretical support on risk prevention and control of personal finance products.

Key words: commercial banks; personal financial services; financial products

摘要……………………………………………………. 2

ABSTRACT………………………………………………….. 3

1绪论…………………………………………………… 6

1.1研究背景及意义………………………………………. 6

1.1.1研究背景……………………………………….. 6

1.1.2研究意义……………………………………….. 7

1.2国内外相关文献综述…………………………………… 7

1.2.1国外文献综述……………………………………. 7

1.2.2国内文献综述……………………………………. 8

1.3研究内容及方法……………………………………… 10

1.3.1研究内容………………………………………. 10