互联网时代商业银行个人理财业务风险研究

Research on the Risk of Personal Financial Services of Commercial Banks in the Internet Era

随着互联网金融的蓬勃发展,居民的理财意识不断增强,投资品种多元,购买渠道多样,个人理财业务在互联网技术支持下不断创新。但是互联网金融存在运作不规范、缺乏法律保障、行业监管不到位问题,互联网金融理财产品对商业银行个人理财业务存在挤占风险。解决个人理财业务风险的对策:打破传统,科技创新;逐一突破,完善个人理财业务法律体系;加强人力资本投资,重视人才资本;完善个人理财体系建设,加强监管等。

With the vigorous development of Internet finance,the financial awareness of residents has been constantly enhanced,investment varieties are diversified,purchase channels are multiplied,and personal financial services have been continuously innovated with the support of Internet technology.However,Internet finance has problems of irregular operation,lack of legal safeguard and inadequate industry supervision.There exists the risk of personal financial services of commercial banks being occupied by Internet financial products.The countermeasures to solve the problems are:breaking the tradition and making innovations in science and technology;breaking through one by one and improving the legal system of personal financial services;strengthening human capital investment and attaching importance to talent capital;improving the construction of personal financial services system and strengthening supervision.