摘要
随着我国经济的快速发展,商业银行个人理财业务由于具有分布广、灵活性高、筹集资金迅速、附加值比较高等特点,现在已经成为银行业的发展重点,各家商业银行为了吸引广大投资者从而快速抢占市场不断推出各具特色的理财产品。当个人理财产品市场之间的竞争不断加剧的时候,一些夸大理财产品收益、银行进行虚假销售的现象开始出现。这不仅给投资者带来损失也严重影响了商业银行个人理财业务的发展。这便引起了大家对商业银行个人理财产品的风险的关注。因此,对商业银行个人理财产品面临的风险及风险控制进行研究,并提出风险控制建议,对我国商业银行个人理财业务的发展具有极大的现实意义。
With the rapid development of China＇s economy, the personal financial services of commercial banks with characteristics of wide distribution, high flexibility, raise funds quickly, higher added-value, has now become the focus of the development of the banking industry. In order to attract the investors to quickly seize the market, the various commercial banks continue to launch distinctive financial products. When the competition between the personal financial products market continues to intensify, some exaggerated financial products revenue, bank false sales phenomenon begin to appear. It not only brings loss to investors but also seriously affects the development of personal financial services of commercial banks, which has aroused the concern about the risk of personal financial products of commercial banks. Therefore, the study on the risk and risk control of personal financial products of commercial banks and suggestions on risk control are of great practical significance to the development of personal financial services of commercial banks in China.
出处
《价值工程》
2016年第32期81-82,共2页
Value Engineering
关键词
商业银行
个人理财产品
风险控制
commercial bank
personal financial products
risk control
