V银行公募基金代销风险管理研究(中文）
摘
要
改革开放之后，随着人们物质生活水平直线提升，居民对于投资的需求呈现不断攀
升的态势。商业银行高度重视这一现象，采取了一系列的措施来促进中间业务的增长，
其中，基金代销在商业银行中间业务当中的占比是最高的，因此商业银行极其关注公募
基金代销业务的情况与发展，目前该业务仍然处在初级的探索阶段，各种风险问题也在
不断地暴露，所以，商业银行如何做好代销基金业务的风险管理尤为重要。
本文通过了解 V银行公募基金代销业务发展现状后，以 Basel银行控制理论、银行
风险防范理论为基础，运用文献研究法、问卷调查法等多种方法分析 V银行代销基金
业务风险管理存在的问题，调查表明 V银行代销基金业务风险管理存在基金产品售前
选择能力有待提升、基金销售流程中操作不规范、缺乏健全的售后跟踪机制等问题，并
从内部和外部分析导致问题的原因。然后从优化代销公募基金产品售前准入管理、优化
代销公募基金销售流程中的风险管理、优化代销公募基金售后保障监管体系三个方面提
出具体的对策以优化 V银行代销公募基金业务风险管理。最后以增设风险管理专人专
岗、设立风险管理专项经费和日常经费、加强信息系统建设、落实风险管理考核情况等
方面采取措施来保障 V银行公募基金风险管理优化的实施。
本文架构：第一部分详细介绍了本文的研究背景，同时梳理国内外的文献综述，指
明此次研究的内容以及方式方法；第二部分，立足我国商业银行基金代销业务，详细梳
理及发展现状以及具体背景；第三部分，从公募基金代销产品售前准入风险、公募基金
代销销售流程中的风险、公募基金代销产品售后的风险对 V银行公募基金代销业务风险
识别现状进行介绍；第四部分，通过问卷调查找出 V银行代销基金业务风险管理存在的
问题，并找出产生问题的成因；第五部分，针对 V银行代销基金业务风险管理存在的问
题，提出优化的方案；在前文研究结果之上提出具体的风险保障措施。文章针对 V银行
基金代销业务风险问题进行了全面性的梳理，同时也为该银行基金代销业务风险管理体
系的构建提供了更多的思路，以及为其他银行基金代销业务风险管控提供更多的参考价
值。
关键词：商业银行；公募基金；基金代销；风险管理；风险识别
I
V银行公募基金代销风险管理研究(中文）
Abstract
After the reform and opening up, the material standard of living has risen rapidly, and
personal demand for investment has been rising. Commercial banks attach great importance
to this phenomenon and have takena series of measures to promote the growth of
intermediate businesses. At present, fund consignment accounts for the highest proportion of
intermediate businesses. Therefore, they alsopay close attention to the situationand
development of public fund consignment business. The business scale is increasing constantly.
Compared with other mature commercial banks, fund consignment business is still at the
initial stage of exploration, And all kinds of risk problems are constantly exposed, so how to
do a good job in risk management is a problem that commercial banks must pay attention to.
This article takes the fund consignment business of Bank V as the research object,
further discusses the current situation of risk management in the bank business. Starting from
the current situation of the fund consignment business of Bank V, the thesis uses multiple
methods such as data analysis, survey and induction to effectively identify the risk problems
in the fund consignment business of Bank V. The thesis divides them into market risk,
operational risk Legal risk and reputation risk, then summarize and analyze various problems
in risk management from different dimensions, and then put forward a series of ideas for the
construction of the bank's fund consignment business risk management system based on my
work experience, risk identification, process management objectives and risk prevention and
control measures, and further put forward corresponding safeguard measures from the
perspective of risk management, cultural supervision and information communication, To
promote the implementation of the fund consignment business risk management system, I
hope this study can provide more guidance for the improvement of the fund consignment
business risk management level of Bank V.
This article structure: The first part introduces the research background of this article in
detail, combs the literature review at home and abroad, and points out the content and
methods of this study; The second part, based on the fund consignment business of China's
commercial banks, combs and develops the current situation and specific background in detail;
The third part introduces the current situation of risk identification of the public fund
consignment business of Bank V from the pre sale access risk of the public fund consignment
products, the risk in the public fund consignment sales process, and the after-sales risk of the
public fund consignment products; The fourth part, through the questionnaire survey, finds
out the problems in the risk management of V Bank's consignment fund business, and finds
out the causes of the problems; The fifth part, in view of the problems existing in the risk
management of V Bank's consignment fund business, puts forward the optimization plan and
proposes specific risk protection measures based on the previous research results. The article
comprehensively combs the risk problems of the fund consignment business of Bank V, and
III
Abstract
also provides more ideas for the construction of the bank's fund consignment business risk
management system, with a view to providing more reference value for the risk management
and control of other banks' fund consignment business.
Key Words:Commercial banks; Publicoffering fund; Fundconsignment; Risk
management; Risk identification
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