Research On The Internal Control Of Personal Financial Business Risk In Commercial Banks During The Internet Era

In recent years,with the domestic economic situation improved day by day,the interest rate market has been accelerating continuously,and the income of Chinese citizens has been continuously improved.People have begun to pay attention to the preservation and appreciation of our assets.This has greatly promoted the development of commercial banks' personal wealth management business.Especially at a time of the vigorous development of Internet,the residents' financial awareness has been increased.Diversified investment,diverse purchase channels and the technical support by Internet have brought forth innovation in personal financial business.However,commercial bank in the Internet financial era are also confronted with problems in the operation of personal financial business,such as continuous expansion of credit risk,operational risk,liquidity risk,as well as market risk.These risks are endangering the normal development of commercial banks' personal financial business,and seriously affecting the commercial banks' brand image and market competitiveness.Considering the risk characteristics of commercial banking personal finance business in the Internet age,it has become an important research topic how to control the internal risk of personal financial management business under the support of Internet technology.This paper is divided into six parts,the first chapter introduces the literature review;the second chapter summarizes the personal finance business,its risk content,risk management theory and internal control theory;the third chapter summarizes the personal finance business risk and internal control characteristics of the Internet financial age through case analysis;the fourth chapter analyzes the internal control defects of the risk in personal financial management of commercial banks through the questionnaire survey data;the fifth chapter analyzes the internal control characteristics of the financial risk of the commercial banks from the perspective of internal control environment,risk assessment,control activities,information communication and internal control supervision;the sixth chapter is the conclusion and the prospect,which summarizes the conclusion,the limitation and the future of the full-text research.Based on the characteristics of the risk of personal banking business in the background of the rapid development of Internet finance,this paper summarizes the five aspects of internal control,risk assessment,control activities,information transmission and communication and control supervision through case analysis and questionnaire analysis.This paper puts forward the internal control countermeasures of the personal financial management business risk of our country's commercial banks from the five elements of the internal control,in order to realize the healthy and sustainable development of the personal finance business,reduce the risk loss and enhance the brands' competitiveness.This paper is written based on actual work experience and a large number of reference literature.It is supposed to raise up-to-date thinking about the internal control of commercial bank personal financial management business.