Research On Credit Risk Management Of Internet Banking Business In Lu Jin

With the development of Internet banking, more and more financial institutions are actively layout of the Internet sector, launched a new Internet financial business of every kind of. Pioneer Lu Jin as the Internet financial business, after an initial attempt, and slowly began to realize that the Internet economy is to represent the general trend. Zero clown, small shop, with the series with the launch of the financial attributes of Internet banking products, indicating that the Miss Kim is comprehensive plunge into the Internet in the financial sector to. However, as in the past in terms of credit risk management mainly rely on traditional financial industry of the people’s Bank credit management system, facing the high risk and complexity of Internet banking, the development and construction of the credit risk management is particularly important. Comparison of credit risk management in the past, in the Internet mode, the credit construction mainly has the following several points:1, the people’s Bank credit management system development is slow, and unable to free access. The financial industry of the central bank’s credit system is too dependent, but as the credit system of the people’s Bank of China’s credit subject development is particularly slow, can not keep up with the pace of development of market economy. Also as the use of credit system, the traditional financial industry does not have the freedom to random access to central bank credit system; 2, finance companies of Internet financial credit system between lack of information sharing and communication mechanism. Credit information collection standards, processing way objectively different. Subjective no willingness to exchange information, has led to the lack of effective information sharing and communication mechanism among the various Internet financial companies in the credit information. Also and related laws and regulations is not perfect. All these lead to the financial industry of our country engaged in the financial aspects of the Internet business, the weakness in the construction of credit risk management mode and lack.Since it was found that the lack of credit risk management in the construction of Lu Jin, we need to choose a feasible way to build a new model of the Internet credit management system, according to local conditions. By analyzing the credit risk management model adopted by Ping An Bank Lu Jin, we can find that Lu Jin’s Internet financial credit management has made some achievements. After continuous improvement in practice, the current credit management model has been able to provide considerable credit management support for Lu Jin. However, Lu Jin where after this series of exploration, there are still many deficiencies can not be overcome. The bottleneck of credit risk management has become a major problem that restricts the development of Lu Jin. If we break this bottleneck, the credit risk management model of Lu Jin has become a new model, which is the key point of this paper.After the combination of the past many theoretical and practical experience, we tried to put forward to the people’s Bank credit management system based on the setting up the Internet financial reporting subsystem the new credit risk management model. In this mode, we can not only use of inherent advantages of the central bank’s credit rating system, and integration can also now internet financial markets on the folk credit services, to combine the advantages of the two, casting our Internet banking credit subsystem. The system can not only provide credit management services for the majority of Internet financial institutions at the same time, with the development of Internet economy, can also continue to update and develop their own credit database. This is the implementation of credit management of financial market full coverage to lay a solid foundation.Finally the feasibility analysis, we found even made a plenty of investigation and analysis, once put into practice, there are still many need us to solve the problems, such as policy, cost, information transmission aspects and so on. To establish a good policy environment, maintain the positive market sentiment, also at the beginning of the credit risk management mode construction, good internal and external environment of the maintenance work, can be good enough to pave the way for future land of gold and even the entire financial industry credit risk management. Because the intention of this paper is not only for Lu Jin to put forward a new idea and a new model of credit risk management, is to provide a desirable place for the future construction of the whole society of good credit environment.