Research On Financial Risk Control Of ICBC S Branch Under The Internet Financial Environment

With the rapid development of network technology,various Internet industries are emerging and changing people's lifestyle.The continuous development of the Internet financial for people's economic activities and daily life bring great convenience,for commercial Banks,financial on the one hand,the Internet has broken the traditional position of commercial Banks in the past,affected the play of the role of financial intermediaries,but at the same time,the Internet financial is the opportunity for the transformation of commercial Banks,do a good job in the Internet for further development of the financial business of commercial Banks is of crucial importance.Commercial Banks are also aware of this,have begun to increase investment in the field of Internet finance.In addition to vigorously carrying out scientific and technological innovation and developing Internet financial products that are popular with the market,commercial Banks should pay attention to their own financial risks if they want to achieve transformation in the Internet financial environment,continue to maintain the leading position in the financial field.Financial risk is objective existence,also is unable to avoid in the Internet financial environment,influenced by the environment,compared with the traditional commercial bank financial risk outside a few more features,how to deal with different financial risk,commercial bank is worth thinking about a problem,is also a problem caused the whole society's attention.Taking Internet finance as the background,this paper summarizes the characteristics of financial risks of commercial Banks in the Internet financial environment,and identifies the possible risks.Then,taking S branch of ICBC as an example,this paper analyzes the liquidity risk,asset quality risk,profitability risk and Interest rate volatility risk,and puts forward specific management Suggestions for each risk.Finally,this paper summarizes the industrial and commercial bank of S branch under the environment of Internet financial financial risks and related management advice,it is concluded that the our country commercial bank in the era of the Internet financial how to perfect its own some Revelations of the financial risk management,hoping to financial risk management of commercial Banks in the future is to provide some help.