宁夏银行个人理财业务风险管理研究

发布时间：2018-01-19 04:18

本文关键词： 宁夏银行个人理财业务风险管理　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国经济快速发展,居民收入水平提高,同时银行零售产品的多元化发展、金融脱媒现象的产生,使得居民对金融投资工具的多样化需求越发明显,因此投资者寻求专业理财人员提供综合理财服务已经成为必要。宁夏银行股份有限公司是一家区域性城市商业银行,宁夏银行个人理财业务起步较晚但发展迅速,从7年前的无人问津到2016年每周募集至少1亿资金,宁夏银行的个人理财业务在飞速发展的同时,也暴露出很多风险隐患,比如专业理财开发人员的缺乏、体制机制的不健全、销售人员专业素养不够、同业风险加大等问题。透过宁夏银行个人理财业务的发展现状和风险管理现状,分析研究宁夏银行个人理财业务发展过程中存在的市场风险、操作风险、信用风险及法律风险等,并对风险管理中存在的问题及产生的原因进行深入剖析,在此基础上,提出强化宁夏银行个人理财业务风险管理的建议。最后,简要总结,希望为宁夏银行全面建设个人理财业务风险管理体系提供参考,促进宁夏银行个人理财业务的健康持续发展,对宁夏银行创建自己的个人理财品牌,以更好的应对来自全国其他股份制商业银行在此业务上的挑战具有深刻的意义。
[Abstract]:With the rapid development of economy, the improvement of income level, the diversification of retail products and the emergence of financial disintermediation, the diversified demand for financial investment tools is becoming more and more obvious. Therefore, it is necessary for investors to seek comprehensive financial services from professionals. Ningxia Bank Co., Ltd. is a regional city commercial bank. Ningxia bank personal finance business started late but developed rapidly, from seven years ago no one wanted to raise at least 100 million funds a week in 2016, Ningxia bank personal finance business in the rapid development at the same time. Also exposed a lot of risks, such as the lack of professional financial management developers, institutional mechanisms are not perfect, sales personnel professional literacy is not enough. Through the development and risk management of personal finance business of Ningxia Bank, this paper analyzes and studies the market risk and operational risk in the development of personal finance business of Ningxia Bank. Credit risk and legal risk, and risk management in the existing problems and causes of in-depth analysis, on the basis of this, put forward to strengthen the risk management of personal finance business of Ningxia Bank, and finally. In summary, I hope to provide reference for Ningxia Bank to build the risk management system of personal finance business, promote the healthy and sustainable development of personal finance business of Ningxia Bank, and establish its own personal financial management brand for Ningxia Bank. It is of great significance to deal with the challenges from other joint-stock commercial banks in China.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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