Research On Credit Risk Of Commercial Banks Under The Background Of Internet Finance

With the development of market economy and Internet finance,commercial banks will face more and more risks and challenges.Credit risk is one of the important risks faced by commercial banks in China,and the level of credit risk management also greatly affects the long-term development of commercial banks.How to improve the level of credit risk management of commercial banks has become an important issue facing China's banking industry.At present,China's commercial banks credit risk management system is not perfect,there are still many problems in management,especially the concept,methods and technology of credit risk management is still relatively backward.Starting from the current situation and challenges of credit risk management of commercial banks under the background of Internet finance,this paper analyses the main problems existing at present,probes into its formation mechanism,and makes a comprehensive analysis with Bank of J as a case.Finally,it gives the improvement countermeasures of credit risk management of commercial banks in China under the background of Internet finance.This paper is divided into five parts: the first part introduces the background and significance of the research,shows the value of this paper,and systematically combs the existing literature;the second part introduces the current situation and problems of credit risk management of commercial banks under the background of Internet finance;the third part,through qualitative analysis and game theory model,deeply studies the business.The formation mechanism of the credit risk of industrial banks provides ideas for solving the problems later;the fourth part,taking Bank of J as a case,comprehensively analyses the current situation and existing problems of credit risk management of commercial banks in China under the background of Internet finance,analyses the reasons,and compares the advanced management experience of commercial banks at home and abroad to provide a case basis for putting forward practical and feasible countermeasures;the fifth part is to provide a case basis.Part I explores the application of big data technology in the credit risk management of commercial banks,constructs the credit risk prediction system of Bank J,and carries out empirical analysis.This paper finds that the cornerstone of controlling credit risk reasonably lies in forecasting risk,and the value of data comes from its forecasting function to a greater extent.Therefore,it is a general trend to explore the application of big data technology in credit risk management.Based on the above conclusions,this paper finally puts forward specific measures to improve the credit risk management of commercial banks in China from four aspects: comprehensive integration and optimization of the organizational structure of risk management,cultivation of advanced credit risk concepts,cultivation of large data analysis talents for credit risk management,and creation of a good external environment for credit risk management,in the hope of giving credit to commercial banks in China.Use risk management to help improve the theory of risk management.