Research On Risk Management Optimization Of G Bank’s Internet Loan Business

In recent years,with the rapid development of information technologies such as mobile Internet and instant messaging,the Internet has been constantly integrated with traditional financial industry.The financial industry has been constantly innovating in technology and services,and the allocation efficiency of financial resources has been greatly improved.At the same time,Internet loan business has also achieved both speed and scale growth,all kinds of financial institutions including traditional banks have been involved in Internet loan business,especially some small and medium-sized banks as an important means to achieve transformation and upgrading.Due to the lack of risk management experience and means,some banks have the risk of rising non-performing rate,infringement of customer privacy rights and interests and negative public opinion caused by violent collection.As an urban commercial bank with assets of over 100 billion yuan,G Bank is currently facing severe external risks and competitive pressure,and there is a long way to go in digital transformation and Internet transformation.The Internet loan market has a large scale and full potential,which is the key development direction of G Bank for a period of time.However,uncertainties such as risks and challenges are increasing day by day.How to control the risks of Internet loans has become a key issue that G Bank urgently needs to solve.In this thesis,literature research,investigation and analysis,comparative analysis and other methods are used to sort out information asymmetry theory,risk management theory,long tail theory and other relevant theories.Questionnaire survey and interview survey are used to deeply analyze the current situation of G Bank’s Internet loan risk management.Dig out G Bank’s five major risks in Internet loan risk management,including compliance risk,credit risk,third-party organization cooperation risk,information technology risk and operational risk.Through using electronic retailing bank and the bank’s management experience,this article put forward to tackle any of the five risk G bank,one is by lowering the proportion of capital contribution of syndicated loans,pressure drop gradually foreign loan scale,classification set different customer credit limit,online loans should be brought into the unified credit granting measures such as strengthening the compliance risk management;The second is to strengthen credit risk management by strengthening multi-dimensional verification of customer information,flexibly determining the customer pass rate,and improving the refinement level of post-loan management.Third,strengthen the risk management of cooperation with third-party institutions by improving the whole process management mechanism of third-party institutions,reasonably defining rights and obligations with third-party cooperation institutions,standardizing collection behavior of third-party institutions,and establishing risk event response mechanism of third-party institutions.Fourthly,information technology risk management should be strengthened by optimizing the risk management model,enhancing the independent risk prevention and control ability,and strengthening the identification and prevention and control of the risk of the model itself.Fifth,strengthen operational risk management by protecting customer information security,strengthening information disclosure and confirmation,and establishing a green channel for consumer protection.