Risks And Countermeasures Of Commercial Banks' Online Financing Business

Online financing is a typical innovated business based on the background of "Internet+".It is a kind of business which meets personal or corporate demands of funds,on the basis of the Internet platform.But as a new product in the market,the risks are not fully exposed.The potential risks need to be taken seriously while all sorts of online financing products are currently running.This goal of being fully aware of all risks needs to be achieved during the course of practice.The aim of this paper is making further analysis of the problems and risks through the study of operation mode and the development of online business in Chinese commercial bank.The paper points out the defects in the current practice of risk identification and makes summary of different forms of risks,through collecting several commercial banks' online financing product cases.In order to make the research scientific,normative and practical,I collected a large number of literature,summarized different risks and problems during the development process through the interbank consulting,business communication,view of business processes,online practice,and customers' feedback collection.Then I put forward pertinence analysis and conclusion.On the basic of the current situation of online financing business development,this article studies about how to improve the internal control and risk management,by making scientific strategic planning,strengthening security control improving the information sharing system,and process management,and innovating legally.The innovation of this paper is the analysis of different risks among sorts of banking business,finding specific risks of online financing from general business,giving suggestions about risk prevention and control methods.