商业银行个人理财业务风险与防范分析

Analysis on risk prevention of personal finance business of commercial banks

近几年来,由于我国经济的快速健康发展,我国人均国民生产总值和人均国民可支配经济收入不断稳步提升,金融行业也因此得到了快速的健康发展。由于个人手中的财富越来越多,个人资产理财风险意识也逐步增强,更加注重个人资产的及时保值与长期升值。文章主要分析我国商业投资银行开展个人基金理财投资业务的现状,并分析存在的问题,然后提出相应的解决措施。

In recent years,due to the rapid and healthy development of China’s economy,China’s per capita gross national product and per capita national disposable economic income has steadily improved,so that China’s financial industry has also developed rapidly and healthily.Residents have more and more wealth,and their awareness of the risk of asset management has gradually increased,more attention to the timely preservation of personal assets and long-term appreciation.This article mainly analyzes the present situation of personal fund financing and investment business of our country’s commercial investment bank,analyzes the existing problems,and then puts forward some corresponding solutions.