Internet Banking Credit Risk Management Of A Bank

In recent years,China's Internet financial industry has seen a trend of rapid growth and has made great achievements.The emergence of Internet finance is the product of the development of the times.According to the consulting data of Bi Da,in 2016,the scale of the third party Internet payment transactions reached 19 trillion and 300 billion,the growth rate was 62.2%.With Alipay as the representative of Internet payment,with Yu'ebao as the representative of the Internet innovations,with Aliloan as the representative of the electricity supplier financing and other areas of vigorous development,the Internet payment operation is simple and fast,and the continuous Internet financial management products make people more selective on investment,enrich the way of user financing,seize the high quality loan resources of the bank,divert depositors' deposits,have a certain impact on the traditional commercial bank business,and produce certain credit risk.On the other hand,the Internet lending makes both sides of the supply and demand of funds direct the transaction on the Internet platform,greatly reducing the intermediate cost and providing a new way for the financing of small and medium-sized enterprises.Commercial banks are facing great opportunities and challenges.We must attach importance to the rise of this emerging industry.Therefore,under the background of the rapid development of the current Internet finance,the control of the credit risk of commercial banks is beneficial to enrich the relevant basic theories,to clear the direction,trend and technical path of Internet finance,to promote the integration and development of the domestic traditional financial industry and the Internet financial industry,and to improve the financial industry.The competitiveness is conducive to helping banks better control risks and promote sustainable development of banks.This article studies from the following aspects.First of all,this paper defines the concepts and main characteristics of Internet finance,credit risk control,and defines the scope of the research.Then,this paper analyzes the current development of Internet Finance and the status of commercial banks' credit risk under this background,qualitatively analyzes the influence of Internet Finance on bank credit risk,and constructs a fixed effect regression model to evaluate the effect.Finally,taking A bank as an example,this paper analyzes the problems in credit risk control and puts forward the optimization measures.The conclusion of the full text is as follows: First,Internet Finance improves the bank's credit risk,the increase of the bank's capital adequacy ratio,the increase of the deposit and loan ratio,the increase of net assets yield and the good operation of the macro-economy are beneficial to the commercial banks to reduce their own credit risk level.Second,with the development of Internet,A bank's credit risk control has the following problems.First,the structure of the bank credit risk organization is not perfect,Second,the construction of the bank credit risk information management system needs to be strengthened,then,the bank can not effectively prevent the contagion of credit risk.According to this,this article from the establishment of the Internet financial risk control department,improving the credit risk information control system,the establishment of a risk firewall,the use of network advantages to optimize the credit process and other aspects of the construction of the credit system.It provides a reference for the sustainable and stable development of A bank.