互联网金融时代商业银行结算风险的防控

Research on Risk Control of Commercial Bank Settlement of Internet Financial Times

互联网支付、余额宝、P2P网络借贷等为代表的互联网金融快速发展,对商业银行传统的信用中介、支付结算等业务造成严重的冲击,给商业结算风险防控带来了新的挑战。互联网金融时代商业银行结算风险不但仍保有传统的风险内容,而且具备了新的特点。分析了商业银行结算风险的传统内容及形成原因,在此基础上,探讨互联网金融背景下结算风险的新特点并研究其特点的形成原因,最后针对不同的结算风险提出相应的防范建议。

With the rapid development of internet banking such as Internet payment,the balance of treasure,P2 P net loan,the traditional businesses of commercial bank such as credit agency,payment settlement functions are facing serious challenge. Under the background of the Internet financial settlement risk of commercial banks not only retains the traditional risk contents,but also new features. This paper analyzes the traditional content and the cause of formation of settlement risk of commercial bank. On the basis of this,we explore the new features of the settlement risk of Internet financial background and the source of its characteristics,and finally put forward the corresponding countermeasures according to the different kinds of settlement risk.