The Risk Management Of Commercial Bank RMB Financial Business Under The Impact Of Internet

The emergence of the Internet financial model brings commercial bank great impact on deposit,loan business,personal financial business and so on.Based on the analysis of the Internet Finance and its impact on commercial banks,the article pointed out,there are the business problems of commercial bank personal RMB financial products,including old finance business,lack of Internet marketing ability,low technical level,less customer service quality,discordance of internal control and so on.Through the analysis,the paper puts forward the corresponding solutions.In recent years,with Chinese economic development,the financial department is accelerating the economy reform.The various measures have an important impact on Chinese economy market as a whole.In the rapid development of the Internet big data technology,the economic system has undergone tremendous changes,and the network technology has become an important form of economic development to support the economic market.Especially with Internet banking into people's life and work,its convenience,flexibility and high efficiency and so on make people experience good and right.At the same time,the influence of Internet technology on the development of the traditional commercial bank make people change their financial behaviors and thoughts,and on the other hand the influence on the financial industry will change the traditional business development of commercial banks.Along with the Internet storm into the financial field,the use of big data analysis for financial management,risk control,information collection,customer service and so on has become the driving force of innovation on the traditional financial business development.The unique advantage of the operation,including allowing customers to accept cross regional and cross-border commercial-banking services,has bring the traditional bank into an new area.And its innovative projects,big data analysis and effective control of various risks,financial management not only lets the financial market take on an altogether new aspect,and also provides the optimal allocation of assets,combining with effective risk control.This innovation effectively reduces the non-coordination in payment methods,data processing,asset allocation and so on,and make the Internet Finance take on an altogether new aspect.Several years before the Internet financial development,the Chinese personal financial services of commercial banks have already started.And the RMB finance enters into the stage of rapid expansion in recent years.The RMB financial management means organize the relative personal assets to increase the value of the bank through professional financial services.Generally speaking,the commercial bank achieves 5 steps to make the personal financial service,including customer information collection,customer needs discovery,customers own financial analyze,personal financial management plan,and clients choosing for financial products.Along the process,the specific analysis on China's current personal financial services and professional financial consultant needs to base on assets and customer risk tolerance.And the financial adviser provides professional investment advices to customers,making the asset allocation reasonable and scientific.The investment contains savings,fund,bonds and insurance and other financial products.The investment on personal in the end meets the customer value through the financial management.Commercial banks and financial institutions make full use of the physical network,customer capital,information,human resources and other advantages supports the social services for customer groups,including investment banking,custody,proxy agent transfers remittance and settlement,information consulting,collecting,and comprehensive finance.Affected by the Internet finance,the future commercial bank reform is imminent.The personal RMB financial business of commercial bank makes full use of its own historical advantages,and takes on disadvantages.This article introduce the risk of RMB financial management reality,and combines with the recent risk brought by Internet finance.The theme thinks the commercial bank should make corresponding measures to solve the challenges and risks.The development of Internet banking not just brings commercial bank risks and difficulties for its payment and settlement and other traditional industries,and also brings more opportunity and innovation on customer groups risk management challenges and perfecting in the finance investment process.This reform is one inevitable process,which makes commercial take measures to play a new fresh role.Through strengthening risk supervision and developing the protection,the commercial bank financial aid more healthy by Internet financial strength,and constantly improve the mechanism and the team itself,making the Internet a better financial services for clients.The main theoretical research on the Internet banking for the commercial bank's financial risk and the prevention strategies hopes to promote the combination of commercial banks and the Internet China perfect.