Internet Banking Financial Risk Management Of H Bank

Commercial banks as the core of the financial industry, which is related to the healthy development of the national economy. Sound and effective financial risk management system is the key to fast development of commercial banks. In recent years, network loans, electronic banking, direct banking, represented by the rapid rise of Internet banking, a strong impact on the traditional business of commercial banks, commercial banks actively change the development mode and Internet companies, commercial enterprises to carry out extensive cooperation to launch e-banking mobile banking and e-commerce and other new products and services, expanding online business restructuring and development of a commercial bank in the inevitable wave of Internet banking. At the same time, the financial risk of commercial banks presents many new features, how to improve the commercial bank’s financial risk management systems to adapt to the restructuring and development of commercial banks, caused widespread concern in the community. This article is in the rapid development of Internet banking background, H commercial banks, for example, to explore ways to improve and enhance the level of financial risk management of commercial banks.This paper is divided into six parts. The first part is an introduction, mainly introduces the research background and significance, research ideas and methods, innovation and features; review the relevant literature internet banking and commercial banking financial risk. The second part is related to the theoretical basis, this paper defines the concepts of objects, the theoretical basis for financial risk management theory assets, and liabilities management theory, asset-liability management theory and comprehensive management theory are described. The third part of Internet banking commercial bank financial risk management overview The first part of commercial banks financial risk management processes and management methods to sort out, and then on the foreign commercial banks financial risk management practices summarize, the final analysis of traditional Chinese commercial banks finance risks and new features. The fourth part is the case study in the development of carding H banking and financial risk management features in the Internet infrastructure finance background, and summarized in the Internet H bank financial background financial risk management problems. The fifth part of the countermeasures and suggestions H Bank Internet banking under financial risk management, the proposed H Bank by rising profitability and financial risk management, liquidity indicators management level, efforts to improve the H Bank Financial risk management system, strengthen financial management of H Bank building staff to deal with the bank’s financial risk H Internet banking under. The sixth part of research findings and future prospects. Mainly summarized the main contents of this paper, and pointed out the deficiencies of this article and future research directions.The innovation of this study is:(1) a unique perspective. The main analysis and discussion of the background of the commercial banks in the Internet financial risk management and control of new content and new features, follow commercial banks trend of rapid development of Internet banking services, provide a reference for the practical development of this article. (2) The content of innovation. In close connection with the status of H Bank financial risk management and control in the Internet financial background and problems, drawing control practice of foreign commercial banks, to provide reference for strengthening Internet financial situation of China’s commercial banks, financial risk management and control capabilities and improve financial risk prevention system. (3) Case innovation. Typical domestic commercial banks H Bank as a case study to analyze H bank’s financial risk management status and problems, and to propose appropriate measures and recommendations for H Bank.