Research On The Legal Risk Prevention And Control Of Commercial Bank Credit In The Internet Era

Nowadays,with the popularization of the Internet,banks and other financial institutions have taken advantage of this trend and followed social development to handle traditional credit business through mobile phone software,computer terminal online multi-channel and non-counter,which greatly shortened the time and improved the efficiency of business handling.However,except for having the same risks as traditional credit business,Internet credit business also faces many new risks.How to discover risks earlier,prevent risks and better control risks under the environment of the rapid Internet development has become a top priority for the expansion of this emerging business.In this thesis,the risk characteristics of Internet credit business of commercial banks are analyzed by collecting the handling,performance and risk management data of Internet credit business of local commercial banks in J City,as well as the data finally published on the China Judgments Online where the creditor’s rights were performed through litigation after the credit business of local commercial banks turned into a unhealthy state.On this basis,the risks and challenges caused by the development of the Internet to the credit of commercial banks are expounded.Based on the prevention practices of legal risk of credit in commercial banks at home and abroad,through sample analysis and comparative investigation,the referential experiences applicable for commercial banks to develop Internet credit business are summarized and concluded.In view of the new situation of legal risk of credit in commercial banks in the Internet era and the shortcomings of existing domestic risk prevention and control measures,policies,countermeasures and suggestions are put forward to perfect the legal risks prevention and control of credit in commercial banks in the Internet era from two aspects of internal,external prevention and control,such as perfecting laws and regulations,improving internal control mechanism,strengthening external supervision,strengthening coordination and cooperation,paying attention to data value,etc.