Research On Risks And Prevention In The Development Of Online Finance Of Taixing Agricultural Bank

This research takes Taixing branch of Agricultural Bank of China as the research object,and is anchored in the previous research as well as sufficient theoretical knowledge,on the basis of sufficient understanding the current situation of online finance of Agricultural Bank of China.It conducts research on Taixing branch by issuing paper questionnaire,company field survey,analyzing the present situation and reasons for existing risks of the network financial construction of the Agricultural Bank of China in Taixing.On top of that,it puts forward some practical strategies and suggestions of online financial prevention according to the present situation of Taixing branch.The research results show that:1.For Taixing Agricultural Bank,the risks it faces in its network financial development can be divided into two parts.The first part is technical risks,which are mainly three risks,including external technical support,technical selection and system security.2.The main reasons for the above risks are as follows:firstly,some unique risks,such as information leakage,network information technology and network fraud,occur frequently.Secondly,both the deposit struc(?)ure and the subject's behavior have changed,and the liquidity risk is increasing.Thirdly,the credit risk brought by counter party is more complex.It is increasingly difficult to identify,assess and warn reputation risks.What's more,for the non-banking network financial risk,its infection should be given full attention.According to the theoretical analysis and actual investigation results,the corresponding prevention and control strategies and suggestions in this paper mainly include:strengthening the construction of the network risk control management system and gradually promoting the improvement of the internal control mechanism;strengthening data mining and system construction to lay a solid foundation for network risk management;strengthening the verification and authorization system and controlling the network technology risk effectively;Investors and financial consumers should pay attention to their education work and improve their risk emergency management system;making innovations in the way of supervision and guarding against online financial risks from multiple dimensions.It is suggested that relevant departments of higher authorities should strengthen supervision of market access for online financial services,that is,conduct strict and standard qualification examination and approval for the establishment of financial institutions,and strengthen supervision and management at the source;bold reform,trying to cross-regulate finance and the Internet;set up personal credit investigation system and promote its improvement.