Research On The Risk Control Of Internet Consumption Loans In Banks

With the rapid development of Internet technology and Internet transactions,Internet finance has become an indispensable part of the financial industry.Internet finance has derived a series of new financial businesses,among which Internet consumer credit is the most important one,and it is going to becoming an important way for banks to grant consumer loans.Alike the traditional consumer credit,the Internet consumer credit faces all kinds of risks,some of them has shown their signs,so how to control the risk of Internet consumer credit has become an important thing.This paper takes Wenzhou Bank as the research object,aiming at discussing the countermeasures to improve its risk control ability.The full text is divided into six parts.The first part is the introduction part,which briefly expounds the background and significance of the thesis,the research methods and technical lines of the article,and lists the innovation points of the article and the difficulties in the writing process.The second part is the theoretical basis and literature review.It introduces the classification of credit risk and the theory of credit risk control as the theoretical basis of this paper,and expounds the research status of Internet credit business by domestic and foreign scholars.The third part is about the current situation of consumer loans in banks.Firstly,it summarizes the development mode of traditional consumer loan,secondly,it analyses the difference between traditional consumer loan and Internet consumer credit.Finally,through the research of domestic banks' Internet consumer credit products,it summarizes two operation modes,namely "direct lending mode" and "third-party platform lending mode",focusing on the latter's risk control methods.The fourth part is Wenzhou banking business model research and risk causes analysis.Through the research on the current situation and risk control methods of Wenzhou's banking business,combined with interviews,this paper gives the risk causes of Wenzhou Bank's Internet consumer credit.The fifth part puts forward the countermeasures to improve the risk control of Wenzhou Bank.Put forward risk control measures for the characteristics of Internet loans and improve the internal and external environment at the same time.The last part is the conclusion.It is hoped that this study can improve the risk prevention and control efficiency of Wenzhou Bank and provide some reference for other banks.The inadequacies of this study are as follows: firstly,there is not much research on bank's Internet consumer credit,so the theoretical support is insufficient;secondly,the model data of domestic bank's Internet consumer credit are confidential data,which can not be deeply excavated;finally,Wenzhou Bank has its particularity,and its risk improvement measures can not be fully extended to all banks.