| Originated in the late Cold War network connection technology,after 50 years of precipitation,creating a mobile,open,personalized Internet era,followed by economic change,cultural change and social change,as the core of the financial Banking,is at the forefront of the impact of this change,the Internet banking on the traditional banking industry has been clearly visible.Direct marketing banks,electricity business platform,mobile finance,network of intelligent and offline business line,etc.,irreversible erosion of the situation to force the bank to change services.With the rapid development of emerging financial systems such as Internet finance,China's traditional commercial banks have also been more and more challenges and shocks.Compared with the traditional industries,the financial industry is inherently high risk characteristics,the Internet finance industry makes the risk of greater,and now the relevant regulatory system is not perfect,which makes financial risk more difficult to control.Therefore,it is urgent to think deeply about the risk factors of service items in the Internet age from the perspective of commercial banks and establish an effective and feasible internal control system.March 23,2015,Industrial and Commercial Bank of China in the company headquarters through a press conference in the form of the country announced its launch of its new Internet financial brand "e-ICBC" and other derived financial projects,which also makes Industrial and Commercial Bank of China's first large-scale state-owned commercial banks to seize the opportunities of the times and launch their own Internet financial products,after which other large commercial banks in China have followed suit and launched their own Internet financial products.ICBC's "e-ICBC" Internet financial strategy is an important step in the positive transformation of the new economic situation.It is a mobile marketing and fragmentation of the mobile Internet.It has created a new marketing channel and innovated Service and contact the way to achieve the bank and customers,customers and customers,the bank internal point-to-point,all real-time financial information services,large domestic commercial banks are the first,will lead China's banking industry to adapt to the development trend of the times,vigorously develop the Internet financial.However,these commercial banks in the active construction of their own Internet financial services platform,we should pay attention to the financial risks of Internet finance,trying to control the financial risks.Such as improving the internal payment processing system,the use of existing security management technology,the establishment of top-down top-level risk prevention and control system,through technical means to improve the efficiency of financial risk control,but also should pay attention to increase the relevant Personnel training efforts,through these methods to deal with the emerging financial risks.With the development of the times and the progress of science and technology,financial market innovation and development,in this era of financial and technology intertwined,China's commercial banks a good grasp of the pulse of the times,in time to seize the market opportunities,To create a new model of financial development,and promote China's financial industry to the development of innovative.But we should also note that now the existing Internet banking system in China there are still many loopholes and risks,in order to prevent possible problems and risks,commercial banks should actively use large data and other new technologies,ahead of the layout of financial security management,Cloud wind control,Fintech and other innovative models to strengthen and external platform data and technical cooperation,to achieve large-scale data on the wind control,in order to lead the remittance of the value of the financial industry to promote the development of intelligent industry. |
PDF Full Text Request