Research On Internet Loan Risk Management Of Kunlun Bank

With the deep integration of finance and technology,Internet financial technology companies such as Ali and Tencent have accelerated to seize the Internet financial market cake.The loan business of financial technology companies subverts the traditional consumer loan model of commercial banks and has a strong impact on commercial banks.In order to deal with the impact effectively,the Internet loan business has developed rapidly by increasing technology investment or strengthening cooperation with financial technology companies.Kunlun Bank,as a cross-regional city commercial bank,is also an active follower of Internet loan business.The measures for the Management of Internet loans of Commercial Banks(draft for soliciting opinions)points out that the biggest problem of Internet loans is to prevent risks and ensure the safety of both sides of the loans.How to effectively identify,early warning and control the risk of Internet loans is an urgent problem to be solved.As a follower of the industry,Kunlun Bank must practice its internal skills and do a good job in dealing with Internet loan risk management measures with large exposure,concealment and infectivity,so as to promote the healthy and sustainable development of Internet loan business.First of all,this paper combs the research background,significance and foreign research status,and puts forward the research contents and methods.This paper summarizes the relevant research on Internet loan risk management of commercial banks at home and abroad,and expounds the concept and related theoretical basis of Internet loan.On this basis,it combs the development process of Internet loans of commercial banks,and analyzes the main risk points of Internet loans of Kunlun Bank in combination with practice.then it studies the general situation of the development of Internet loans of Kunlun Bank and the current situation of risk management,and reveals the main problems in the micro,macro and technical aspects of its Internet loan risk management.And put forward feasible risk control measures and suggestions from the micro,macro and technical point of view.The research shows that the risk factors faced by the Internet loan of Kunlun Bank are quite different from the traditional credit business,with more types of risks,greater risk exposure,and more uncertainty in the macro environment,industry and regulatory environment.Credit risk is enlarged compared with traditional business,legal and fraud risks are out of control,and there are more hidden dangers in technology uncontrollable.Therefore,Kunlun Bank must comprehensively improve its ability of risk identification and early warning,risk tracking and disposal from the aspects of internal management and technology platform construction.At the same time,it is suggested that the relevant regulatory agencies need to establish and improve a comprehensive risk management system for commercial banks’ Internet loans in line with China’s national conditions,so as to provide a good macro-ecological environment for the development of commercial banks’ Internet loans.