Research On Risk Management Of Banking Business Under Internet Finance

In the context of the intelligent era,Internet finance has brought a comfortable,convenient and efficient way of life.While growing rapidly,it has firmly grasped people's inner needs.Through the use of big data mining technology,it analyzes the diversified and deep-seated investment and financing needs of customers,creating a better customer experience for people.The development of Internet finance has also made an indelible contribution to customized products and services.Internet finance not only brings people high-quality experience,but also has an inevitable impact on traditional banking business.It also has different impacts on intermediate settlement,debt and asset business,and brings different degrees of risks.The purpose of this thesis is to study all kinds of risks faced by commercial banks in the era of Internet finance.Through literature analysis,SWOT model and AHP(AHP)carries on the qualitative and quantitative research to the bank business risk,provides the reference significance for the traditional commercial bank to carry on the risk management more accurately under the Internet financial mode,to carry on the risk control effectively and to establish the perfect risk management internal system.At present,there are many discussions on the impact of Internet Finance on the traditional banking industry.Scholars use different methods to conduct quantitative and qualitative research and draw their own conclusions.Risk management is very important for commercial banks,which is conducive to foreseeing risks,improving market competitiveness,promoting product innovation and improving credit management.With the online development of finance,banking business has gradually entered the transition period,which inevitably leads to new risks.This thesis focuses on the analysis of the risks brought by Internet finance to the business of commercial banks,and then measures the weight of different risks to get the corresponding risk management countermeasures The research idea of this thesis is different from most of the original literature,focusing on the analysis of the risk management of the bank's intermediate settlement,liability and asset business under the Internet finance.Through qualitative analysis,in the era of Internet finance,there are four kinds of primary risks of commercial bank business,namely liquidity risk,credit risk,legal risk and operational risk.There are nine kinds of secondary risks,namely,the contagion risk of Internet Financial cashing crisis,the loss of bank deposits,the competition in the interbank market,the reduction of bank credit standards,the information asymmetry of online business,and so on Human information abuse,risk of money laundering,computer system defects and risk of backward network risk control technology.In this study,15 staff members from different risk management departments of commercial banks assess the primary and secondary risks according to their objective and fair attitude and work experience.Taking the assessment results as the data source,the AHP method is used to draw the conclusion that among the primary risks,liquidity risk has the greatest impact on banking business,followed by credit risk,operational risk and Legal risks.In the face of the impact,commercial banks should change the management concept,innovate business model,improve the level of operation technology,strengthen strict supervision,improve the risk management system,so as to better meet the challenges of Internet finance.