Research On The Risk Prevention Of Internet Finance Business Of Private Banks In China

Private banks were established to enable more people to enjoy better financial services,the concept of inclusive finance throughout the whole business process.Compared with other commercial banks,private banks set up a short time,the longest opening of micro-banking is only five years now,and private banks in the operation of many restrictions,the development process will inevitably encounter bottlenecks.In order to achieve further development,private banks with the help of advanced Internet technology,vigorously develop Internet finance business,through internet technology to reduce transaction costs,so that more small and medium-sized enterprises and individual customers enjoy faster financial services.Because the development time of Internet finance in our country is still short,there are many business models before there is no precedent to follow,there is no relevant rules and regulations as a basis,private banks Internet finance business in the development process will inevitably go to risk-related issues.Unlike traditional business risks,Internet finance business is upgraded faster,more dependent on information technology,risk is more secretive and contagious,and has greater harm.In this article,we use WeBank,MYBank,XWBank,YiLion Bank,Kincheng Bank,Z-Bank as an example,the private bank Internet finance business overview is briefly introduced,The first four private banks have significant Internet genes,and the latter two are more similar to traditional commercial banks and can represent most private banks.Not only are private banks with Internet genes committed to the development of Internet finance business,other private banks closer to the city’s commercial banks are also vigorously developing Internet finance business.This paper selects a number of private banks to carry out deposit products,loan products,payment products and other Internet financial services for the introduction and simple analysis,at the same time introduced the Internet financial business may cause the types of risks,and a simple evaluation of various types of risk types,pointed out that the current private banks occur more frequently,the frequency of the current high,the frequency of private banks occurred high,A number of risks that have a strong impact.The current private bank Internet financial business risk causes are analyzed and put forward corresponding measures to provide reference for the sustainable and healthy development of Internet finance business of private banks.