Research On Risk Management Of Internet Personal Loan Business Of P Branch Of Bank Of China

In recent years,with the rapid development of Internet big data technology,more and more Internet companies have penetrated the Internet model into the financial field,and online credit financing products such as ant Huabai,Jingdong Baitiao and Du Xiaoman have increased one after another.Under the impact of these online credit products,most commercial banks have gradually made use of mobile Internet,big data and cloud computing technology,Innovate and launch all kinds of Internet loan business.However,with the rapid development of Internet personal loan business,it has also exposed problems such as the lack of authenticity of all kinds of customer information,inadequate post loan management of online products,the inflow of capital use into illegal fields,and the surge of non-performing rate of Internet products.However,because the Internet personal loan business has the characteristics of a wide range of borrowers’ information sources and more loan approval depends on data models,it is quite different from the traditional personal loan risk management.According to its characteristics,we need to increase theoretical research in risk management.Taking the risk management of Internet personal loan business of P branch of Bank of China as the research object,this paper systematically combs the relevant theories such as information asymmetry,comprehensive risk management and internal control,and expounds the development and risk management status of Internet personal loan business of P branch by using the methods of literature research,case study,comparative analysis and in-depth interview,By comparing the similarities and differences between the traditional personal loan business and the Internet personal loan business,this paper analyzes the core of risk management of the Internet personal loan business,and finds out the problems in the risk management of the Internet personal loan business of P branch of Bank of China through interviews with the relevant staff of P branch,analyzes the causes of the problems,and draws on the advanced experience of domestic financial institutions in relevant fields,From the three dimensions of improving the risk management system,improving the model construction and strengthening the talent guarantee,this paper puts forward the corresponding solutions.