Research On Financial Risk Control Of Rural Commercial Banks Under Internet Finance

Internet finance in China is rapidly developing at an unprecedented speed.Internet finance is also constantly influencing basic businesses and intermediary businesses such as deposits and loans of traditional commercial banks,leading to increasingly fierce competition between the two.Commercial banks Faced with the financial risks are also increasing,the difficulty of financial risk control encountered new challenges.As an important part of the commercial banking system,rural commercial banks face the same problems.The size and level of development of rural commercial banks are different from those of commercial banks.Internal financial controls,external environments and customer groups are also different from those of commercial banks.Therefore,there are some peculiar problems in the control of financial risks.We need to control the risks of rural commercial banks,and to resist the risks of banks,as well as to the future development of stable financial industry has very important practical significance.This paper take the method of literature research,case analysis,index contrast analysis and other research methods,in accordance with the problem of raising questions,problem-solving research ideas on the Internet finance under the financial risks of Rural Commercial Bank of H Control to conduct a comprehensive and in-depth analysis and research.The first part is the thesis research,as well as major innovations;the second part mainly introduces related concepts and theoretical basis of financial risk control of rural commercial banks under internet finance.;third Part,combined with five elements of financial risk control to summarize the status quo of financial risk control of H Rural Commercial Bank,highlighting its problems in the control activities,combined with the 2013-2016 financial report H Rural Commercial Bank of its asset quality risk,capital Adequate risk,profit risk,liquidity risk in-depth analysis to find out the reasons.The fourth part puts forward the pertinence suggestion to the problem existing in the control of financial risk of H rural commercial bank.The fifth part is the conclusion and prospect of the study.The innovation of this paper lies in the fact that Internet finance is developing rapidly.It sets new requirements for the control of financial risks in rural commercial banks.At present,there are few studies on the control of financial risks of rural commercial banks under Internet finance.In terms of research methods,H Rural Commercial Bank is used as a case study.From the perspective of financial risk control elements,the current state of the financial risk control of H rural commercial banks is introduced,the problems are identified,the causes are identified,and improvement measures are proposed.Rural commercial bank financial risk control provides reference.