文档介绍：山西财经大学
硕士学位论文
中国商业银行个人理财业务风险管理研究
姓名:温小艳
申请学位级别:硕士
专业:金融学
指导教师:杨有振
2008-09-25
摘要
随着中国金融体制改革的深化,金融业对外逐步放开,我国商业银行正面
临外资银行的激烈竞争。因此,我国商业银行加快了金融创新的步伐,为金融
消费者提供综合化、个性化金融服务的个人理财业务逐渐成为商业银行业务发
展的重点。但是,受金融法律制度、金融管理体制和金融市场发育程度等方面
的制约,我国商业银行个人理财业务在快速发展的同时,缺乏科学的、完善的
风险管理措施,因而潜在的风险不容忽视。我国商业银行的个人理财业务发展
很快,但风险管理仍处于比较薄弱的阶段,研究个人理财业务的风险管理具有
十分重要的战略意义。
本文主要采用历史分析和比较分析的研究方法。首先从商业银行个人理财
业务风险管理的基本理论入手,对商业银行个人理财业务和个人理财业务风险
进行了科学的鉴定和分类;在此基础上,讨论了商业银行个人理财业务风险管
理的内容和手段;然后分析了我国商业银行个人理财业务风险管理的现状、所
面临的主要问题以及剖析了存在这些问题的原因;最后借鉴美国和香港地区商
业银行个人理财业务风险管理的经验和启示,针对目前我国商业银行个人理财
业务风险管理的进展和不足之处,从构造商业银行的配套制度、信息系统、外
部环境建设三个方面,提出了完善我国商业银行个人理财业务风险管理的若干
对策。

【关键词】商业银行个人理财业务配套制度信息系统外部环境

1
Abstract
With the deepening of the reform in China financial market, this
industry is gradually opening up and mercial banks are facing
much petition than ever before from foreign-funded banks. In
order to edge up in the war of grabing market, mercial banks step
in new banking area such as Personal Financing Business. However, due
to the restrict in the law, the inancial management system and the
developing level of the financial market, though Personal Financing
Business in mercial banks has a rapid development,
unavoidably, our Personal Financing Business has many risks which we
can’t easily ignore, because in lack of scientific and perfect risk
management measures. The Personal Financing Business develops
quickly, however the risk management can’t keep step. So doing a
research in risk management of Personal Financing Business is very
meaningful.
Using historical analysis paring analysis, this paper start with
the basic theory of risk Management of personal financing business in
Commercial Bank. First it gives explicit definitions of Personal Financing
Business and Personal Financing Business risk in the fundamental theory
and sorted them. On this basis, next discusses the substance and the
means of the Personal Financing Business