Research On Financial Risk Analysis And Control Of D Bank Under Internet Finance

With the advancement of the economy and the development of the Internet era,network technology and information technology are gradually being widely used in various industries.Despite the introduction of new trading models and development opportunities,many traditional industries are facing a greater impact.The financial industry is an important industry that affects the lifeline of the national economy.In recent years,the rapid development of Internet finance in China has greatly affected people's way of life.Internet finance models such as online lending and mobile banking continue to challenge the business of commercial banks.Therefore,the effective management of the financial risks caused by Internet finance to commercial banks is one of the most import.ant tasks in the financial work of commercial banks,which is related to the survival and development of commercial banks.This paper takes D Bank as an example to analyze the financial risks of commercial banks under internet finance and propose control measures.This paper is divided into five chapters.The first chapter is the introduction,mainly elaborates the research background and significance,domestic and foreign research literature,ideas and methods.The second chapter defines concepts and theoretical basis,mainly defines relevant concepts of Internet finance,and elaborates relevant theories of financial risk analysis and control.The third chapter analyzes the financial risks of D bank under Internet finance.Taking D bank as an example,this chapter analyzes its financial risks in the three aspects of liquidity,profitability and capital management in the context of Internet finance based on the introduction of its development situation and the financial report of D bank from 2013 to 2017,and reveals the degree of its financial risks.Chapter 4 D under Internet financial Banks to strengthen the financial risk control measures,internal and external two aspects from the bank in this chapter is put forward under the Internet financial D bank to strengthen the financial risk control measures,including internal measures include perfecting the credit evaluation mechanism,to broaden sales channels,strengthen cost control,broadening the channels for capital replenishment,etc;External measures mainly suggest the government to strengthen the supervision of relevant indicators,encourage special talent training,improve the capital market.Chapter five:conclusion and prospect.Research found that network finance is the future trend of the development of financial industry,under the background of financial rapid development of Internet,D the bank's liquidity,profitability and capital management are affected by different degree,new financial risks appear,the original effectiveness to reduce financial risk controls,should be from two aspects of internal and external financial risk control measures.In this paper,the research on carding on the basis of a series of theoretical achievements,combined with the financial situation D bank,the financial risk is analyzed under the condition of Internet financial and related control measures are put forward,in order to D it is helpful to the development of the bank,and for other similar to the financial risk of the commercial Banks under the Internet financial management to provide the reference.