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随着我国居民收入的逐步增长和我国金融业的持续发展,我国商业银行个人理财业务成了国内商业银行新的利润增长点,受到了各大商业银行的重视。但是我国商业银行个人理财业务还面临着诸多风险因素,危害着商业银行和投资者的利益。本文就我国商业银行个人理财业务面临的市场风险这一方面对其现状进行分析,并运用部分国内市场现有的个人理财产品对该问题进行实证分析对,最后对商业银行个人理财业务市场风险的方法提出建议和意见。
With the gradual increase of income of our country residents and the sustainable development of our country’s financial industry, the personal wealth management business of commercial banks in our country has become the new profit growth point of domestic commercial banks and has been valued by the major commercial banks. However, the personal financial services of commercial banks in our country also face many risk factors, endanger the interests of commercial banks and investors. This article analyzes the status quo of the market risk faced by the personal financial services of commercial banks in our country and uses the existing personal financial products in some domestic markets to make an empirical analysis on this issue. Finally, the paper analyzes the market risk of personal financial services in commercial banks Methods to make suggestions and comments.