A Research On Financial Risk Evaluation And Prevention Of Commercial Banks Under "Internet +"

The financial risk of commercial banks and its evaluation has always been the hot spot of theoretical research.With the rapid development of modern Internet technology such as large data and cloud computing,the traditional industrial structure,pattern and business model are undergoing profound changes.Premier Keqiang Li in the government work report put forward the "Internet ＋" concept,from the national strategy of the highly deployed "Internet +"program to promote the Internet and the traditional industry in-depth integration,to achieve industrial transformation and upgrading.In the "Internet +" under the wave,the banking industry naturally can not resist the penetration of the Internet,is gradually merging with the Internet.In the process,the business environment of commercial banks has changed due to the emergence of Internet finance,the traditional assets and liabilities business has been hit,capital adequacy,liquidity,profitability,asset quality are affected to varying degrees.In short,the management of the uncertainty faced by the increase in financial risk control has been tested.Therefore,it is of great practical significance to identify and evaluate the financial risk of commercial banks under the "Internet +" for the more effective control of financial risks and the steady development of commercial banks.Based on the analysis of the influence of "Internet +" on the financial risk of commercial banks,the financial risk of C Bank is evaluated by factor analysis method under the background of "Internet+",and it is put forward to strengthen the financial risk Suggestions on Financial Risk Control.Firstly,the research results of the related literatures are expounded.Based on the actual situation,the concept,classification and related evaluation methods of commercial banks’ financial risks are discussed and elaborated.Through in-depth study of relevant domestic and foreign literatures,Evaluation to provide basic theory and reference.Secondly,the author analyzes the influence of "Internet+" on the financial risk of commercial banks from the commercial activities of commercial banks,and then analyzes the influence of"Internet +" on the dimensions of financial risk evaluation.Then,based on the risk analysis,this paper evaluates the financial risk of C Bank by factor analysis based on the design of the financial risk assessment model.Based on the risk control,this paper evaluates the financial risk of C Bank,And points out that the main influencing factors of C Bank’s financial risk are profitability and capital adequacy.Finally,according to the conclusion of the analysis,it is pointed out that C Bank should strengthen the effective control of financial risk and manage the daily control of financial risk in order to better solve the practical problems and better control the financial risk.