Research On Risk Management Of "Rainbow Bank" Of Hebei Bank

2013 is the first year of Internet finance,and the financial industry has entered a new stage of development.Under the guidance of technology innovation,Internet finance has developed rapidly and has huge influence,which has brought violent impact on traditional commercial banks.Commercial banks have to innovate and accelerate the transformation of financial business to cope with the challenges that Internet finance poses to traditional commercial banks.Launching direct bank is one of the effective countermeasures for commercial banks to cope with the impact of Internet finance.Direct banks are emerging areas.The security issue is the most important.Therefore,we should pay attention to the risk management of direct banks.Hebei Bank is the number one city commercial bank in Hebei Province.“Rainbow Bank” is the first direct bank in Hebei Province,which has a certain representativeness,taking this as the research object.Through literature review,case analysis and comparative analysis,the status quo and problems of risk management are analyzed and relevant suggestions are put forward.First of all,using the literature review method,the relevant literatures on the risk management of direct banks at home and abroad are collected and compiled,which provide theoretical support for the thesis.Secondly,through the case analysis method,based on the development status of Hebei Bank and its direct banks,the risk management of “Rainbow Bank” status quo is elaborated analyzed.At the same time,through the "Rainbow Bank" compared with other direct banks,analyzes own risk management shortcomings.Through analysis,the "Rainbow Bank" risk management mainly has the following problems:In the risk management organization structure,there is a lack of independence,shortage of scientific and technological talents,and the awareness of personnel risk management is uneven;In terms of platform technology,there is a lack of biometric technology,consultation channel is not smooth,and early warning mechanism of capital risk is imperfect;In terms of product system,market competitiveness is weak,information disclosure system needs to be improved,and product maturity mismatch control is insufficient;In the credit management,the pre-lending,lending and post-loan management are not standardized,and credit rating method lags behind;In terms of laws and regulations,there are fewer legislative documents and restrictions on the face-to-face system.Through the use of AHP,the risk assessment index system is constructed from the risk management organization structure,capital and information security,product system,credit management and laws and regulations.The indicators with higher weights are product system indicators and legal and regulatory indicators.The principle of security is one of the important principles of bank management.Therefore,for the problems of “Rainbow Bank” risk management,propose relevant risk management strategies,such as promote the independent management of “Rainbow Bank”,strengthen the introduction of scientific technological talents and cultivate employees' risk management awareness to improve the risk management organization structure;increase investment in biometrics,attach importance to the construction of consulting service system and upgrade a risk warning mechanism to improve information system security;enrich product categories and scenario services,improve product information disclosure mechanism and strictly control product maturity mismatch to improve market competitiveness and customer acquisition rate;strengthen supervision of credit management processes and increase credit rating methods to reduce borrower defaults risk;promote the legislative process of direct bank,improve the credit reporting system and account real name system to create a good legal environment for direct banks.It is hoped that through the risk management study of Hebei Bank's direct bank,which can provide reference for its risk management and also have certain reference significance for other commercial banks' direct bank risk management.