Research On Bank Credit Risk Management Based On Internet Finance

In recent years,the Internet Finance break the trend in the country epoch-making and flourishing development,and created a new world of China's economy and finance.The emergence of the Internet finance represents the depth integration of the Internet and the finance.The rapid rise of Internet finance,represented by Internet lending,e-banking and direct selling banks,has a strong impact on the traditional business of commercial banks.In response to the challenges of Internet finance,traditional commercial banks have increased investment in resources,to join the Internet financial sector.The commercial banks began to actively innovative ideas,innovative development methods,they carry out extensive cooperation with Internet companies and electric business enterprises.They introduce the electronic banking,mobile banking and e-commerce and other new products and services,expand online business.These products and services were achieving certain results,but also exposing some of the potential credit risk,need to be concerned about and be addressed.How to improve the risk management system of commercial banks to adapt to the transformation of commercial banks,has aroused widespread concern in society.This article is exploring the method of how to improve and enhance the level of risk management of commercial banks under the background of the rapid development of the Internet.On the basis of comprehensive analysis of the current situation of domestic and foreign research and briefing the literature,this thesis takes the credit risk management of commercial banks as the research object,introduces the relevant theories and methods of risk measurement,draws lessons from the grading method.Take Z Bank as an example to identify the risk identification case,get conclusion the risk identification results.The research work of this thesis is mainly carried out from the following aspects:First of all,Introduced the credit risk of traditional commercial banks,analyzed the main risk sources and how to manage the risks.The second,This thesis introduces the Internet financial characteristics,mode and development process,and points out the new credit risk faced by commercial banks under the background of Internet financial development.The third,This thesis analyzes the risk measurement and management of risk under the new situation and the risk classification method,and analyzes the risk cases of the bank under the "Internet + Bank" business model with Z Bank as an example.At last,It is concluded that the establishment of different credit scoring model,scientific and accurate credit risk rating for each applicant's credit content is the basis for commercial bank to carry out credit risk management of network loan.Finally,it is recommended that banks should improve the overall risk management system,from inside and outside to strengthen the network business risk prevention and control.