Research On Optimization Of Risk Management System Of Commercial Banks Under The Background Of Internet Finance

With the rapid development of modern science and technology,finance is the core of modern economy,and bank is the pillar of modern finance.Since commercial banks came into being,they have been threatened by various risks,and risk management is very difficult.Because the way of risk management of commercial banks is different from other industries,the ability of risk management is an important measure of their competitiveness,so it has increasingly become the focus of financial field.In today's era when big data is widely used,"Internet finance",a new thing,is generated through the ingenious combination of Internet and traditional finance.It can be used in a wide range.It can buy and sell goods by looking at the photos of physical objects on Taobao.It can pay the mobile phone fee by using the small programs of various application software,transfer by using QQ and wechat platforms,purchase medical outpatient fund online,crowdfunding and so on.With the emergence and development of Internet finance,the traditional banking industry has optimized and adjusted the business process,risk management and other aspects,trying to combine the developed business with the Internet.However,the development of commercial banks must be accompanied by huge competition.Commercial banks themselves also have a variety of risks.In order to stabilize the operation of commercial banks,we must take scientific control means and methods to effectively manage risks.Therefore,the analysis of the risk management system of commercial banks has certain reference significance for the development of commercial banks in today's era.From this point of view,this paper expounds the theory of comprehensive risk management,long tail theory,information asymmetry theory,financial intermediary theory and scale economy theory,and has an objective and comprehensive understanding of its concept and connotation.In the context of Internet finance,the theoretical research work of risk identification,risk assessment,risk response and risk monitoring is carried out.At the same time,the case study method is used to study the current situation,problems,causes and Countermeasures of Bank A's risk management.First,the risk assessment of bank a is carried out by using AHP,and then the risk management assessment is carried out under the Internet financial environment of bank a on the basis of the conclusion of AHP.It is found that there are still many problems in the risk identification,assessment,response and supervision of bank a under the Internet financial background.Through investigation and analysis,the reasons for the problems are that the risk management organization system is not perfect.It is independent enough,the internal control management mechanism is imperfect,the high-quality risk management talents are scarce,and the construction of risk management information system is seriously lagging behind,which further proves that commercial banks need to strengthen the investment of risk management.Then,in view of the problems in the risk management of bank a in the current context,it is proposed that bank a should improve the risk identification ability of its employees,improve the risk assessment method,and pay attention to it.Risk,strengthen risk prevention measures,optimize risk response plan,clarify responsibilities and standardize risk monitoring mechanism.Finally,this paper summarizes the relevant research on risk management of commercial banks,and puts forward countermeasures and suggestions for general commercial banks for reference.