摘要
理财业务在快速发展的同时潜藏着较大的风险。如何识别和分析理财业务的风险,是进行有效防控的基础。本文在梳理国内外商业银行理财业务风险管理的基础上,从商业银行的角度,以实务操作为切入点,从理财业务在商业银行整体发展战略中的定位和认识、理财业务运作风险控制和项目风险控制等三个层面,对我国理财业务的全流程风险管理进行剖析,提出风险管理中需重点关注的问题并分析其产生的原因,最后就商业银行理财业务风险管理提出了相关建议。
Wealth management businesses have brought many risks with their rapid development. The recognition and measure of the risk of wealth management business is the key to control risk. This paper surveys previous studies on risk management of wealth management business globally, and intends to analyze the overall risk management of wealth management business in China from the perspective of the strategic position of wealth management business in commercial banks, operational risk control of wealth management business and project risk con- trol. Finally, this article proposes some policy suggestions for commercial banks to manage risks of wealth management business.
出处
《金融监管研究》
2013年第10期56-67,共12页
Financial Regulation Research
关键词
理财业务
风险管理
投资组合
项目管理
Wealth Management
Risk Management
Investing Portfolio
Project Management
