Study On Risk Control Of Open Banking

The market changes with each passing day,and some new technologies,such as the Internet,artificial intelligence,big data and 5G,have greatly touched the society in which we live,and the digitalization process of the financial sector is also unstoppable.In the field of technology,eliminating the old and welcoming the new has become the direction of the transformation of the financial industry.The rapid development of Internet + has promoted the development of the financial industry,and the traditional business mode and business environment have begun to change.Financial reform stems from the innovation of science and technology.Most enterprises in the financial industry have gradually adopted new technologies.Through financial technology,the scope of cooperation of banks has been expanded,and more customer groups have been contacted.The year of 2018 has been recognized as the first year of open banking,in which many banks built open banking platforms.In this year,SPD Bank was the first to launch open Bank--API Bank,becoming one of the leaders of open Bank construction.In the stage of open banking,risks have different forms.However,there are not many researches on specific risk control measures in this aspect by scholars at present,so the researches on risk control of open banking have extensive theoretical and practical significance.The practice of API Bank of SPD Bank is representative to a certain extent in China.It was established in 2018,but it was planned at a very early stage.It established multiple scene service platforms and began to practice open banking with the development mode of platform output.Have the innovation and ideas to build their own open bank.In chapter 1 and 2,this thesis firstly introduces the system background,research status and theoretical basis of open bank,including research background and significance,literature review,concept of open bank,open bank risk control related theories.The third chapter begins to describe the construction of open bank API Bank and its risk control system,including API Bank1.0 and API Bank2.0--panoramic Bank introduction,partner introduction,open platform architecture,digital field of SPD’s cooperation with large companies for better construction of open Bank,and current situation of risk control system,etc.The fourth chapter analyzes the current situation of risk control of API Bank.In this chapter,it first analyzes the CARE security model of panoramic Bank safety target proposed by SPD Bank in the Bund Conference in September 2020,and then compares the current risk control system of SPD Bank in Chapter 3 to get the effectiveness of risk control construction of SPD open Bank.Secondly,the risk control effect of API Bank is analyzed from the perspective of credit risk and liquidity risk.Finally,the existing problems of API Bank are analyzed.The fifth chapter makes a summary and puts forward some policy suggestions for the problems of API Bank.In this thesis,literature analysis method,case analysis method,comparative analysis method and qualitative and quantitative analysis method are used comprehensively.Combined with SPD Open Bank’s own characteristics and domestic and foreign practices,the thesis focuses on analyzing the current situation of API Bank’s risk control system construction as well as the current situation and shortcomings of risk control,and puts forward optimization suggestions for its shortcomings.Due to the particularity of case(API Bank phase 1.0 and 2.0),the SPD bank risk control research as you can see how to improve risk control measures,which can provide risk control in the deepening process of other open bank,at the same time as SPD bank open construction bank is in the leading position in the domestic,Therefore,it is of great significance to study API Bank of SPD Bank for China’s open Bank construction and risk control.