本科论文摘 要随着我们国家经济的迅速发展，银行业间的竞争也逐渐激烈，商业银行间为了适应、开拓和抢夺市场中的份额占有量而不断的增加和开展银行业务，理财业务作为商业银行业务中占比较大的业务之一，不断的推出新的理财业务也是商业银行采取的措施之一，但是在发展扩大商业银行理财业务的同时，遭遇风险的几率也随之扩大，因此商业银行理财业务的风险防范问题是商业银行非常重视的。为了帮助商业银行能够有效的规避和防范风险，保证商业银行可以安稳有序的开展理财业务，因此本文主要围绕商业银行理财业务中的风险问题以及风险防范问题进行了探究，分别主要从市场风险、流动性风险、信用风险、操作风险和法律风险五个方面来进行分析，分析了每个风险产生的原因和具体形式以及风险防范中存在的问题，然后再根据每个业务风险的原理来提出了一些较为合理有效且具有针对性的解决方案以此来规避和解决风险，从而帮助商业银行尽量降低在遭受风险后所造成的损失。关键词：商业银行，理财业务，业务风险，风险防范AbstractWith the rapid development of our country's economy, the competition between the banking industry is also gradually fierce. Commercial banks are constantly increasing and 本科论文developing banking business in order to adapt, develop and snatch the market share. One of the larger businesses, the constant introduction of new wealth management services is also one of the measures taken by commercial banks. Commercial banks attach great importance to preventing problems.In order to help commercial banks to effectively avoid and prevent risks, and to ensure that commercial banks can carry out financial management business in a stable and orderly manner, this article mainly focuses on the risk issues and risk prevention issues in commercial banks' financial management business, mainly from market Liquidity risk, credit risk, operational risk and legal risk were analyzed in five aspects, the causes and specific forms of each risk and the problems in risk prevention were analyzed, and t...
