Research On The Operation Risk Prevention Of Webank

As a new type of banking business model,the development and promotion of Internet banking has attracted wide attention from academia.Since the approval of Weizhong Bank in December 2014 and the establishment of online commercial bank in March 2015,the development of domestic Internet banking has entered the initial stage.As a kind of non-entity operation network,it is undoubtedly of great theoretical and practical significance to explore the supervision measures of the banking business model which only relies on big data and cloud computing and deals with financial business online.This paper takes the risk prevention of Internet banks as the research subject and webanks as the research object.Firstly,it introduces the research background,significance,research status at home and abroad,research content and methods.Secondly,the related concepts,characteristics and theoretical basis of Internet banking are described.Then it analyzes and identifies the operation risk of webank,and analyzes the meaning change under the internet background from legal risk,credit risk,operation risk,liquidity risk,interest rate risk and other aspects.At the same time,risk assessment is carried out for webank.By referring to the experience and Enlightenment of Internet banking supervision in developed countries and regions,corresponding operational risk prevention measures are proposed for webank.Through the above research,this paper believes that in essence,Internet banking is an innovative business model based on big data and cloud computing as the basis for risk control,and operating non-physical networks on a pure line.In view of this banking model,this paper believes that innovation risks should be moderately tolerated,innovation development should be encouraged and risk prevention should be emphasized,and more reasonable operational risk prevention measures should be put forward mainly from the perspectives of credit risk management and internal governance.We will focus on monitoring the development of information technology and network security,establish a more reasonable information disclosure system,and actively promote the protection of the rights and interests of financial consumers.