Research On Internet Financial Risk Management Of H Bank

As a new financial model,Internet finance has been playing an important role in Internet economy today.However,the normative trend of the development of Internet finance has not yet been formed.Therefore,it has become an important task for the government and enterprises to explore the regulation of Internet finance and strengthen the risk warning mechanism.This study takes the middle and small credit business of H bank as an example to analyze the development status of H bank's Internet finance.Then,build a risk management system based on big data technology from three aspects:before,during,and after.And It also puts forward suggestions on risk prevention and countermeasures from five aspects,such as modifying legal system,strengthening Internet security,building internal control system of risk management,strengthening construction of industry self-discipline organization and perfecting social credit information system.Finally,based on the research,a risk warning system was constructed.The study results were as follows:1.The application of big data technology to the risk control system can get rid of the constraint that the data required in the risk analysis of the traditional control system is only limited to the historical data of this industry.The more comprehensive data support can realize the quantitative analysis of risks,which greatly improves the scientific and accurate degree of risk management.2.In the risk prevention and control system built on the bank's middle and small credit business,risk identification,risk measurement and risk control are carried out under the support of big data through real-time acquisition of customer information,in order to prevent risks on the premise of presetting potential risks in advance.When the risk occurs,there will be relevant targeted measures in the control system to control and remedy.Finally,after the risk treatment is completed,the system can give feedback to risk accidents,find out the cause of the risk and prevent the risk from happening again.3.The warning system based on small credit business is similar to other former warning system,and its characteristic is that the index system of joined can reflect the characteristics of middle and small enterprise and Internet financial indicators,considering both the middle and small enterprise financing demand,and banks' capital safety and profitability,realizing the quantitative characterization of alert.4.In the countermeasures and suggestions,the perfection of laws and regulations,strengthen the safety of computer network,and construction of internal control system are always a lag.Therefore,by promoting the construction of self-discipline organization,and improving the social credit system,the market can be validated,and cover the shortage of government and the regulation of the law.By automatically eliminated a number of illegal and backward production capacity,the cost of the government and the enterprise risk control can be reduced on the source.