Research On Risk Management Of Commercial Banks Under Internet Finance Mode

The emergence of Internet finance in 2011,and the geometric development of various modes of Internet finance since 2013,such as third-party payment,P2P online lending,and yuebao financing,rapidly permeated various fields of finance,and had an important impact on the pattern of traditional banking industry.Internet finance has become a booster for the reform and innovation of traditional commercial Banks in China,which has facilitated the vast number of financial consumers.However,it is undeniable that as a new thing,the Internet has a great impact on the business of commercial Banks,and also brings new risks different from traditional ones.At the present stage,domestic commercial Banks seem to be willing and unable to cope with Internet financial risks,and still focus on passive resistance.They do not pay enough attention to risks,and their methods of risk assessment and methods lag behind,which is not conducive to their sustainable development.Commercial Banks must pay attention to and take measures against the risks brought by the Internet financial model to achieve long-term sustainable and healthy development.This paper studies the risk of Internet banking financial mode,analyzes the Internet financial model for assets,liabilities and intermediate business of commercial Banks all have different degrees of influence,and different types of Internet financial products to the risks of Banks,will bring the bank reputation risk,regulatory risk,pass on deposits and financial risk of capital loss risk;Then,the risk assessment system of Banks in the Internet mode was established by the analytic hierarchy process.In the Internet financial mode,the biggest impact on Banks was the financial risk,accounting for 44.88%,followed by the e-commerce credit risk,accounting for 32.23%,and the third was the third-party payment risk,accounting for 16.45%.Finally,by analyzing the SWOT of Banks in the mode of Internet finance,the advantages,disadvantages,opportunities and threats of Banks are clarified,and it is proposed that Banks should actively carry out Internet innovation and strengthen cooperation with Internet enterprises.At the same time,we should also pay attention to risk prevention in the Internet mode,including improving the attention to comprehensive risk management,preventing risk transmission in the Internet financial mode,improving the comprehensive quality of risk management employees and strengthening the construction of risk management information system.The research in this paper can provide methods for Banks to assess their own risks under the Internet financial model and take measures to prevent risks,which is conducive to Banks' active response to risks under the Internet model.At the same time,the study of this paper provides certain reference and reference for risk assessment and methods in the Internet mode of Banks in the same industry.