| With the continuous growth of online finance,it is gradually taking the place of traditional commercial banks,and making commercial banks not the singular financing channel any more,which declares the prelude of “Financial Disintermediation” and is inevitability attributed to China's national economic adjustment.The emergence and boom of online finance,led by E-commerce and Mobile Payment,indicates profound changes have taken place in domestic economy and online financial transactions are gaining more and more influence on the economic structure.Accompanied with financial development,there are always risks,whereas traditional risk management measures is not capable of preventing new coming risks in online finance.As a consequence,this essay tries to focus on the improvement of traditional risk management measures and enhance the management of commercial banks.This essay introduces the online finance risk management of “ZX” Bank,points out the limitations of implementing traditional risk management theories to online finance,draws lessons from advance experiences in online finance risk management from home and abroad and then provides improving advice for current risk management strategies.In the meantime,the paper proposes feasible suggestions for applying new risk management strategies to online finance practices and verifies the practicability for commercial banks to reform and innovate in the field of online finance risk management,which could be used to better instruct commercial banks' development of e-finance and general preferential finance as well as provide better services to the social economy. |
PDF Full Text Request