Commercial Banking Operational Risk Management Under The Background Of Internet Finance

Since 2013, China’s Internet finance get rapid development, caused the people wide attention. Many Internet financial products such as the third party payment, P2P, public financing, and other financial information turned out, with the characteristics of convenient, cross time, cross regional, low cost, universal management etc., has been widely welcomed and developed rapidly. Internet finance boom of continuous fermentation, making the traditional commercial bank is facing the unprecedented challenge, the entire financial system has been forced to accelerate transformation and service innovation by Internet finance. However, on the behind everyone wants to be a piece of feast, the operational risk problems is gradually concerned by the industry brought by the Internet finance.Basel Committee on Banking Supervision pointed out that the operational risk is due to the incomplete or failed internal procedures, personnel and systems, or because of losses caused by external events. Payment innovation, rapid and efficient allocation of resources of information processing are the three characteristics of Internet finance, which bring more and more new problems to the operating risk of commercial banks. Compared with the traditional finance, because of the Internet finance involves a wide, strong relevance, not limited by time and space, Operating under the Internet financial risk prevention and control difficulty is increasing in China commercial banks.Effective prevention of operational risk is the key to the healthy development of commercial banks. This article is based on the summary of previous research results, with the Internet financial development and the background of deep, according to the Basel committee on banking supervision on the definition of operational risk, combining the feature of the Internet finance, compared to traditional financial mode of commercial bank operation risk, from the business banks as the forestage, middle-stage, backstage, the analysis of Internet financial mode the new operating risk to commercial Banks, Such as the forestage employees are not familiar with the new business, they may face the new business internal control system out of control and external fraud risks; The middle-stage employees may face the risk of money laundering, cash and other; The backstage employees may face the risk of system defects, process design defects and others. According to the characteristics of the operational risk of Internet finance, design the early warning system for Internet financial operation risk, from the three characteristics that Internet financial payment, information processing and resource allocation Perspective, research the methods and measures to solve new problems on the operational risk of commercial bank which may bring by Internet finance.Because China’s Internet finance is in the initial stage of rapid development, the Internet has not been sufficient data for analysis. This article is taking an example of a domestic commercial bank, understands the operational risk of the bank caused by the Internet finance’s impact, points out the defects and deficiencies of Internet finance operational risk controlled by the commercial bank, and by individual to apply general, put forward the necessity of operational risks in commercial Banks to control the Internet finance. Finally, summarizes the conclusions and Suggestions of the Internet financial operation risk management:build Internet financial operation risk early warning system; Improve the organizational structure; optimize the internal control management; improve personnel management; strengthen the information system.