Financial supervision, scientific and technological innovation, prevention and resolution of financial risks, and services and support for financial participants and customers provide comprehensive financial services such as business consultation, financing plan, wealth management services and risk management for the real economy.
Financial risk prevention:
The meaning of financial risk prevention:
Financial risk prevention includes four meanings:
First, financial risk prevention is aimed at certain subjects. Different subjects have different activities and purposes in the financial market, and the risk status and degree they face are also different. Therefore, the risks to be guarded against and the preventive measures are also different.
Second, the premise of preventing risks is to fully analyze and understand risks, that is, preventing risks is a conscious behavior.
Third, risk prevention must comply with the provisions of relevant laws and regulations, and non-compliant measures and behaviors cannot be selected.
Fourth, the purpose of risk prevention is to achieve the expected goal, so the degree of financial risk prevention can be measured by the degree of achieving the expected goal.
Characteristics of financial risk prevention:
Institutional aspect
Financial risk prevention must first be based on improving laws and regulations and strengthening supervision. The external environment of financial institutions in China is not perfect, and the risk management system is not perfect; The wealth management business is in a period of rapid development, with the characteristics of large batch, low risk and wide business scope, so it is risky but often ignored. Therefore, it is necessary to formulate effective risk control systems, systems and management methods. In short, it is necessary to promote the healthy and orderly development of wealth management business under standardized management, protect the legitimate rights and interests of customers, and effectively make wealth management business not only an important tool for financial institutions to enhance their comprehensive competitiveness and operating efficiency, but also an effective means to implement Scientific Outlook on Development and create a good financial environment. For example, the China Banking Regulatory Commission promulgated the Interim Measures for the Management of Personal Financial Services of Commercial Banks and the Guidelines for the Risk Management of Personal Financial Services of Commercial Banks, which strengthened the requirements for financial risk prevention of financial services from the legal level, and made specific arrangements through three systems: business management system, risk management system and supervision management system, which fully reflected the institutional characteristics of financial risk prevention of financial services.
systematize
Financial management and financial risk prevention must be systematized. First of all, the risk of wealth management business should be incorporated into the overall risk management system of financial institutions, and a risk management framework with prominent focus, clear division of labor and mutual support should be formed among risk management departments, personal financial departments and wealth management centers. Establish a risk assessment, monitoring and control system for wealth management business, and comprehensively control the risks before, during and after the wealth management business. Secondly, strengthen business management, formulate series management regulations and post compliance manuals for wealth management business, standardize the service methods and contents of wealth management business, operate according to law, and effectively protect the legitimate rights and interests of financial institutions and customers. In addition, establish a scientific product research and development, pricing and monitoring mechanism. Establish the internal control system of product line at the same time of product research and development, study the potential risks of new products and necessary risk management measures, and implement the tracking and regular evaluation system.
(C) financial risk prevention and development and innovation coexist
Since China's wealth management business is in its infancy, it is very important to standardize management, but financial risk prevention must pay equal attention to development and innovation. In foreign countries, financial institutions attach great importance to the matching principle of risk and return, while financial institutions in China often mistakenly put risk management on the opposite side of business development and cannot correctly treat and evaluate risks. We should strengthen the risk management of financial management through development and innovation, and good risk management means can better promote the development and innovation of financial management business.