Research On Optimization Of Government Supervision Strategy For Commercial Bank Internet Financial Ris

Recent years,China’s Internet finance has developed rapidly,and has gradually become a new engine of economic growth,which has brought unprecedented challenges to traditional financial institutions.At the same time,there are many problems in the rapid development.On April21,2020,due to the May contract of American crude oil,a product of Bank of China "Crude Oil Treasure",which had a negative oil price,tens of thousands of investors not only lost their money,but also brought extra liabilities to themselves.Under the circumstance that the traditional supervision mode is difficult to regulate Internet finance,some financial products are in a regulatory blank in essence,and the supervision of Internet financial policies has a great impact on financial norms and even the national economy.Taking the Crude Oil Treasure Incident as an example,this paper combs the context of the Crude Oil Treasure Risk Incident,including the market background of "negative oil price" and the beginning and end of the Crude Oil Treasure Risk Incident,and analyzes the problems and reasons of regulatory policies in the risk control of commercial banks’ Internet financial products.By analyzing the internet finance and risk control ability of commercial banks,as well as the financial supervision policies for commercial banks,this paper analyzes the problems and reasons existing in the product design,product risk compliance check and government supervision of Crude Oil Bao,and by reflecting on the lessons,puts forward the supervision optimization strategies for the internet financial products of commercial banks.