Research On Commercial Bank's Risk Management Under The Background Of Internet Finance

Internet banking,as a revolution in twenty-first Century,has witnessed a rapid development and become increasingly eye-catching in recent years.Internet finance is not only a financial innovation but also the triggers of a series innovation and changes in the management of financial institutions,financial market structure,central bank monetary policy practices,finance mechanism,etc.More important is the Internet banking through Big Data mining more customers demand,due to its convenience,quickly spread and got the public's favorite.In the era of Internet,by utilizing the leading Internet technology,the bank can effectively solve the difficult problem of Small businesses loans and meet the public demand for financial services without the aid of physical outlets in that case providing opportunities for cross-border business operations.However,it also has a great impact on the development of traditional commercial banks.And at the same time,with the rapid development of financial markets,the risk management of commercial banks is even more complex,in addition to the common credit risk,market risk,it also face the Internet industry specific information security risk.Therefore,in the condition of Internet banking,the research of risk management of commercial banks is particularly necessary.The development of internet finance is able to fulfill people's demands in financial services to a great extent and enhance a consistent intensification of cross-boundary integration.The process of Internet financial innovation can reduce the cost of the payment,the integration of information cost and transaction cost,which will bring the opportunity for development of the Postal Savings Bank of China,as well as bring the impact of the postal savings bank's traditional intermediary based model.Based on all mentioned above,this paper brings the discussion of the internal risk management of the Postal Savings Bank from the perspective of the progress towards Internet Banking business of Postal Savings Bank and the status of risk management,and then analyzes the problems and reasons existing in the internal risk management of Postal Savings Bank.Secondly,by referencing the research results of risk management in foreign commercial banks,brings the improvement of the internal risk management model that Postal Savings Bank can draw on.Finally,based on all the conclusions of constructing risk platform,strengthen risk assessment and early warning and emergency plan,etc,put forward the suggestions of strengthen the risk management system of the Postal Savings Bank,which has great significance in improving the risk management system of postal savings bank.The paper has achieved two aspects of meaning via its research.Theoretically speaking,it will deepen the theory of bank risk management under Internet financial environment as well as enrich the theory system of construction for Postal Savings Bank's comprehensive risk management system.Practically speaking,this paper conducted the research on the risk management of Postal Savings Bank under Internet finance,and puts forward the preventive countermeasures.Through this research,we can help the postal savings bank to avoid the risk of the Internet finance,so as to further promote the rapid development and stable operation of all banks.