商业银行互联网金融门户风险管理研究

Financial Risk Management after Commercial Bank Implantation to the Internet

在互联网金融时代,商业银行将大数据、云计算和互联网平台技术与传统银行业务相结合,以商业银行门户网站的形式植入互联网金融。商业银行门户平台的运营模式按照所代理产品或服务在投融资服务中的性质分为信息类、信贷类、保险类、理财类和综合类。受到代理金融产品风险传染和新技术、新交易形式、新业务流程的影响,商业银行门户出现了新形式的操作风险、信用风险、流动性风险、业务管理风险、金融系统风险、政策性风险和法律风险等。因此,商业银行需要建立以突出横向监管和加强个人与金融产品信用评级的风险管理模式。

In the age of the Internet finance, commercial banks will implant Internet finance in the form of commercial bank portal, combining the Large Data, the Cloud Computing and the Internet Platform Technology with traditional bank business. According to the nature of agent products or service in the investment and financing services, the operation mode of commercial banks portal platform is divided into the information, the credit, the insurance, the finance and comprehensive. Affected by the financial risk of infectious agent products and new technology, new trading form, the new business process, commercial banks operating risk, portal emerged new forms of credit risk, liquidity risk, operational risk management, financial system risk, policy risk and legal risk. Therefore, the commercial bank needs to establish highlight horizontal regulation and strengthen risk management mode of personal credit rating and financial products.