Research On Credit Risk Management Of State-owned Commercial Banks Under The Background Of Internet Finance

Nowadays,China's Internet financial enterprises have sprung up and thrived unexpectedly,and have made great challenges to the management system and operation mode of China's state-owned commercial banks by virtue of low cost,high efficiency,convenient and fast.As the main body of the financial industry,state-owned commercial banks have assumed the important channel of social financing.In the background of Internet finance,their credit risk management,quality of the assets and competition strength on market directly affect their own survival and development and the smooth operation of social economy.In the operation of contemporary commercial banks,the proportion and quality of credit business is an important basis for measuring its competitiveness and economic benefits.Therefore,strengthening the credit risk management of state-owned commercial banks in the background of Internet finance and effectively improving the quality of credit assets have became the most urgent task in business transformation.This paper fully absorbs the domestic and foreign scholars'research result of risk management in the Internet financial background of the credit risk management research results,and uses a large number of data to elaborate the opportunities and challenges faced by credit risk management of state-owned commercial banks in the Internet financial background of state-owned commercial banks credit risk management opportunities and challenges,credit risk management problems and its reasons.From above,This paper analyzes the current situation and existing problems of the bank's credit risk management by studying the case of Agriculture Bank A,explores the external causes of the poor management of credit risk in the Internet financial background,and puts forward effective countermeasures and suggestions to strengthen the credit risk management integrated the actual situation of Agriculture Bank A.Through the research,this paper argues that in the context of Internet financing Agriculture Bank A should strengthen the strategic transformation of credit risk management,reconstruct the business process,optimize and perfect the credit risk management mechanism,make use of ABC's own information superiority to build its own Internet financing platform,create a new credit risk early warning system,optimize the credit structure,and cultivate a complex credit risk management team based on the Internet big Data;at the same time we should improve the Internet financial laws and regulations,achieve legal supervision,improve the social credit system,and create a business environment of credibility and integrity.