Research On Risk Management Optimization Of Shanghai Pudong Development Bank's Internet Loans Business

With the continuous development and innovation of network technology,third-party payments,e-commerce platforms,and Internet companies have taken the lead in developing Internet loan business,which has led to the diversion of part of the bank's loan business,especially personal consumer loans.In addition,the Internet loan business also allows The bank's traditional credit model has been severely affected,changing its monopoly position,causing the bank to become one of many financing channels.The Internet loan business in China is gradually popular,indicating that the country's economic structure has undergone tremendous changes.Internet loan business represented by mobile payments and e-commerce has gradually revealed its own strength,and it has also gained a higher and higher status in the national economic structure.The bank has also gradually adjusted its service concept and development strategy,increased the layout of Internet loan business,and continuously launched Internet loan products in line with the characteristics of Internet finance.However,the development of finance is inevitable,and it is difficult for banks 'original risk management to effectively respond to the new risks and new features of the Internet loan business.How to change the original risk management method and provide better protection for banks' risk management is discussed in this article.main problem.This article introduces the current status of risk management of Shanghai Pudong Development Bank's Internet loan business,constructs a relevant model to evaluate the overall level of risk management of Shanghai Pudong Development Bank's Internet loan business,points out its problems in risk management of Internet loan business and gives suggestions for optimization.The new risk management strategy is applied to the Internet loan business,which verifies the practicability of the risk management innovation and transformation of the bank's Internet loan business,and puts forward effective opinions,which can give better guidance to the development of the commercial bank's Internet loan business and give social economy Provide services.This article first introduces the relevant theoretical knowledge and research status of Internet loan business at home and abroad.Then the article introduces the basic situation of the Shanghai Pudong Development Bank's Internet loan business and the current status of risk management.The paper states that the existing problems mainly include weak risk identification ability,single risk measurement angle,conservative design of risk management and control schemes,insufficient access to feedback and assessment information,and negligence of risk management post-work.Based on the characteristics of SPD Bank,this article puts forward suggestions and guarantees for the risk management optimization of SPD Bank's Internet loan business.