Research On Financial Risk Management Of Commercial Banks Under Internet Finance

With the rapid development of Internet finance,Internet finance has also had a great impact on the development of traditional banks,and it has also brought many opportunities.Therefore,commercial banks are constantly using the advantages of Internet finance to test Internet finance,hoping to keep up with the pace of the times and not be abandoned by the times.Although Internet finance brings many opportunities,it is more risky,such as Internet viruses,Trojans,etc.,which makes commercial banks face great financial risks in the context of Internet finance.So how can commercial banks in the context of Internet finance,while embracing the era of Internet finance,while strengthening the level of financial risk management,this is a major issue that commercial banks need to think about.This paper takes H Bank as the research object and proposes its financial risk management measures under the background of internet finance.This paper firstly combs and evaluates the research background,significance,and literature review at home and abroad,proposes the framework and research methods of this paper,and summarizes and summarizes related theories,which provides a substantial theoretical basis for the following.Through the analysis of the management status of H Bank's financial risk under the background of Internet finance,this paper studies the basic situation of H Bank under the Internet financial situation,and puts forward the problems of H Bank's financial risk management under the background of Internet finance.Including financial risk monitoring methods are not perfect,financial risk organization protection is insufficient,financial risk management level and methods are relatively backward.At the same time,this paper summarizes and summarizes the risk management experience of domestic and foreign excellent commercial banks,including the experience and lessons of US Security First Network Bank,Singapore DBS Bank,and China Merchants Bank Online Banking,which provides reference for H Bank's financial risk management..Finally,on the basis of this,the countermeasures and suggestions for financial risk management of H Bank under the background of internet finance are put forward.I hope that the research in this paper can give some meaningful reference value to the same type of commercial bank.