Research On Internet Loan Credit Risk Management Of F Bank

In recent years,with the development of network technology and information technology,Internet finance has developed rapidly in the world.Since 2013,known as the first year of The Era of Internet finance in China,Internet technology and traditional credit products have been continuously integrated and developed,and Internet loan business,one of the representative products of Internet finance,has risen rapidly in China.But as a result of domestic credit system is not perfect,the personal information protection is not enough,the national loans for the Internet industry and the direction of legal construction for lack of experience,a lot of Internet loan money to run,hackers technical update iteration,intermediary company organized and planned to packing loan applicant,Internet loan business in our country has experienced a savage extensive growth process.The financial industry is facing increasingly severe credit risks,and some criminals focus on the security loopholes of online business channels to carry out fraud,which has brought huge losses to China’s Internet loan industry,but also caused a great negative impact on China’s financial industry.In 2020,The China Banking and Insurance Regulatory Commission issued the Measures for The Administration of Internet Loans of Commercial Banks,and the state officially began strong supervision and strict requirements on the Internet loans of commercial banks.Based on the above background,based on total risk management theory,information asymmetry theory and relational credit theory,this thesis comprehensively applies literature survey method,case analysis method and Logistic regression analysis method to conduct research and focus on the theme of "credit risk management of Internet loans of commercial banks".(1)On the basis of combing the research results of "Internet loan of commercial banks" and "credit risk management of Internet loan of commercial banks" at home and abroad,this thesis defines the concept and significance of the research on Internet loan credit risk management of commercial banks in China;(2)Comprehensively combs the development status and credit risk management of China’s commercial banks’ Internet loan business,especially the situation of bank F,combs the current risk management of bank F’s Internet loan business,and combines the credit risk events experienced by bank F’s Internet loan business in recent years.It reveals three major problems existing in the process of F bank’s Internet loan credit risk management,namely:the score card and approval strategy need to be improved,the anti fraud management needs to be improved,and the management of cooperative institutions is not standardized;(3)Select some Internet loan business materials and analyze the relevant factors affecting the credit risk of F Bank’s Internet loan through Logistic regression analysis;(4)Based on the analysis and quantitative verification of the above problems,the improvement measures of F Bank’s Internet loan credit risk management are proposed from macro to micro from the aspects of perfecting the construction of scientific and technological risk system,improving the anti-fraud model,and improving the cooperation mode between commercial banks and cooperative institutions.The innovation of this thesis mainly includes the following two aspects:On the one hand,this article selects the F Internet bank loans credit risk as the research object,the bank as a forward-looking,business bigger and stronger domestic commercial Banks on behalf of the products is relatively abundant,combined with the present popular Internet loan business as the theme,and different from previous studies of loan risk management is the whole process analysis but not enough in-depth,Focus on credit risk,an urgent problem for Internet loans of commercial banks,and put forward risk response suggestions and monitoring measures;On the other hand,is different from the past research mainly focused on commercial bank credit risk in credit risk measurement,credit risk management system,loan concentration,etc.,this article on the Internet bank loans credit risk research according to the characteristics of the commercial Internet bank loans,focused on the score card and strategy of examination and approval,fraud management and the management of the partnership,The research results are more targeted and practical for the special product of Internet loan.