摘 要

随着社会的发展与进步，国内居民的生活得到了改善，相应的收入也的到了明显的提高。因此，居民为了提高个人的经济水平，单方面的银行储蓄已无法满足居民的要求。商业银行的个人理财业务走进人们的视线。该业务能够有效的帮助居民对资产的有效保值，逐渐成为居民对个人资产安排的首选。基于这样的社会背景之下，国内各大银行为了提升盈利水平，在银行的业务方面也开始涉及个人理财业务与产品的研究与推出。只经过短短的几年时间，作为一种表外业务的个人理财业务就已经发展成型，它不仅能增加银行业绩、提高银行收入，并凭借其特有的灵活性及募集资金的快速性，成为了金融市场不可缺少的一部分。但是，当下居民对理财产品的认知还不完善，这使得个人理财业务与市场存在一定的不对称性，这一潜在风险在金融危机爆发后已得到充分表现。金融市场危机重重，全球的投资市场动荡不安，理财产品中凡是与与境外股票、利率和汇率联系密切的，都受到了严重的冲击，商业银行面临严重的信誉危机。经过这次的经济危机，银行以及管理部门开始意识到理财业务背后的风险和隐藏的问题。目前，国内商业银行理财市场相对比较混乱，相关体系并不完善，相关专业人才大量缺乏缺乏等等因素，都加大了商业银行市场管理难度。

关键词：商业银行；个人理财；风险管控

ABSTRACT

With the development and progress of the society, the life of the Chinese people has been improved, and the corresponding income has increased significantly. Therefore, residents in order to raise the level of individual economy, the bank deposits have been unable to meet the requirements of the residents. Commercial bank's personal financial services into the people's attention. The business can effectively help residents to effectively preserve the assets, and gradually become the first choice for the residents of personal assets. Under such a social background, the major domestic banks in order to enhance the level of profitability, the bank's business also began to involve personal financial services and product research and launch. Only after just a few years time, as a business, personal finance business has formed. It can not only increase the bank performance, improve the income of the bank, and with its unique flexibility and to raise funds for the rapid, become the financial market is an indispensable part of. However, the current awareness of financial products is still not perfect, which makes the personal financial services and the market there is a certain asymmetry, this potential risk in the financial crisis has been fully demonstrated after the outbreak. Financial market crises, global markets in turmoil, financial products who and with foreign stocks, interest rate and exchange rate is closely linked, are subject to the severe impact, commercial banks face a serious credibility crisis. After the economic crisis, the bank and the management department began to realize the risk of financial business and hidden problems. At present, the domestic commercial bank financial market is relatively chaotic, the relevant system is not perfect, the lack of a large number of related professionals, and so on, have increased the difficulty of the commercial bank market management.

Key words: Commercial Bank; personal finance; risk management and control

目 录

1. 绪论………………………………………………………………………………………………-1-

1.1 研究背景与意义………………………………………………………………………………-1-

1.2 国内外文献综述………………………………………………………………………………-1-

1.2.1 国外文献综述……………………………………………………………………………-1-

1.2.2 国内文献综述……………………………………………………………………………-2-

1.3 研究内容……………………………………………………………………………………-3-

1.4特色与创新…………………………………………………………………………………-4-

1. 商业银行个人理财业务及其发展现状…………………………………………………………-4-

2.1 商业银行个人理财业务………………………………………………………………………-4-

2.1.1 商业银行个人理财业务的概念…………………………………………………………-5-

2.1.2 商业银行个人理财业务的特点…………………………………………………………-5-

2.1.3 商业银行个人理财业务的种类…………………………………………………………-6-

2.2我国商业银行个人理财业务发展现状………………………………………………………-8-

3、我国商业银行个人理财业务风险概述…………………………………………………………-8-

3.1我国商业银行个人理财业务风险的定义……………………………………………………-8-

3.2我国商业银行个人理财业务风险类型………………………………………………………-8-

3.2.1市场风险…………………………………………………………………………………-8-

3.2.2信用风险………………………………………………………………………………-10-

3.2.3操作风险………………………………………………………………………………-10-

3.2.4法律风险………………………………………………………………………………-11-

3.3我国商业银行个人理财业务风险防范的重要性…………………………………………-12-

1. 发达国家或地区商业银行个人理财业务风险防范经验借鉴………………………………-12-

4.1美国商业银行个人理财业务风险防范经验借鉴…………………………………………-12-

4.1.1培养高度发达的资本市场……………………………………………………………-12-

4.1.2专业的个人理财队伍…………………………………………………………………-14-

4.1.3重视对中小投资者的教育和保护……………………………………………………-14-

4.2香港商业银行个人理财业务风险防范经验借鉴…………………………………………-14-

1. 针对我国商业银行个人理财产品风险控制中存在问题提出对策…………………………-15-

5.1建立严谨的风险管控制度

5.2加强对市场风险的识别和计量

5.3宣传个人理财知识，提高居民风险意识

……………………………………………………………………………………………………………

结论…………………………………………………………………………………………………-17-

致谢…………………………………………………………………………………………………-18-

参考文献……………………………………………………………………………………………-19-

1绪论

1.1研究背景与意义

当下，广大客户群体发现，商业银行的理财产品能够给自身带来良好的经济收益，同时，银行也能借此来进一步推动自身的发展。随着客户量的急剧增加，问题的不断产生，个人理财业务中的风险也逐渐显现出来。近几年，银行理财产品陆续出现“零收益”“负收益”现象，在这样的恶性循环下，银行为弥补自身一定的经济亏损，而侵犯了客户群体的利益。这使得银行与客户群体之间产生了矛盾，客户对银行的理财产品产生了怀疑，银行面信誉危机。就此，我国银行专业人员、金融学家等人基于我国商业银行个人理财业务的发展现状，加强对商业银行个人理财业务风险的防范，并找到有效的管控风险的方法、对策，对其中的风险以及风险管控的方式进行深入研究。

1.2国内外文献综述

1.2.1国外文献综述

20世纪50年代，美国的部分公司已出现过因理财产品而造成的巨大金融危机，这使得企业管理曾意识到对理财风险控制的重要性，风险管理的基础理论以及处理方式也就应运而生。西方商业银行个人理财业务的迅速发展，引起人们加强对个人理财业务的研究，并完善相应的理论体系。随着逐步深入的研究，个人理财的诸多方面也被设计：如何运用理财工具，个人理财业务的风险防范等等。