Research On Financial Risk Evaluation And Management Of Changsha Bank Under The Background Of Internet Finance

In recent years,Internet technology has brought huge opportunities and challenges to traditional industries,and has been a hot topic.The traditional commercial banks,which are at the cusp of the new financial reform of the Internet,have been greatly affected in their operations,and the banking industry is facing unprecedented pressure.For example,the powerful competitors of the bank's intermediate business-third-party payment tools Alipay and wealth management products Yu'ebao,etc.,have more innovative financial products and services than banks.With the increasingly fierce competition between traditional commercial banks and Internet finance,the financial risks of the banking industry are gradually becoming apparent.Therefore,it is necessary and meaningful to evaluate and manage the financial risks faced by commercial banks.There are six chapters in this article,the structure is as follows:Chapter 1 is the introduction,which clarifies the research background and significance of this article,and lists the literature reviews of related topics at home and abroad.The second chapter is the theoretical part.An overview of Internet finance and financial risk,and theories used in financial risk are explained one by one.The third chapter is the financial risk identification of Changsha Bank under Internet finance.First,the operating conditions of Changsha Bank will be explained,and then thechart and financial ratio method will be used to identify and analyze the five dimensions of Changsha Bank's financial risks under Internet finance.The fourth chapter is the risk assessment.The camel risk assessment system is used to comprehensively evaluate the financial risks of Changsha Bank under Internet Finance.There are 15 index evaluation systems to obtain the financial risk assessment level and situation,and finally analyze the results.Chapter 5 puts forward specific suggestions and strategies based on the financial risk identification and evaluation results of Changsha Bank.Chapter VI is the conclusion and prospect.With regard to the financial risk evaluation and management of Changsha Bank in the context of Internet finance,this article can draw the following conclusions: First,the financial risk evaluation results of Changsha Bank in the context of Internet Finance: the risk of poor liquidity;the risk of insufficient profitability;the increase in the scale of assets and liabilities The risk of slowing down and capital adequacy is low;the concentration of loans is too high,and there is a risk of asset quality;the cost-to-income ratio is too high,and the risk of management is reduced.The second is the corresponding countermeasures and measures of Changsha Bank with financial risk at the "attention" level: to recover lost deposits and control the liquidity risk brought by Internet finance;change the profit model and promote differentiated competition;accelerate transformation and development and strengthen brand advantages;Strengthen credit risk management and improve resource use efficiency;improve internal control systems and enhance employee risk management capabilities.This article takes Changsha Bank as the specific research object to make an in-depth discussion on this issue.Through the identification and evaluation of Changsha Bank's financial risks in the context of Internet finance,it aims to strengthen financial risk management capabilities andhelp Changsha Bank to take corresponding measures.This research can provide some ideas and suggestions for Changsha Bank's financial risk management in the Internet financial shock.