商业银行互联网金融业务的全面风险管理体系研究

A Comprehensive Risk Management Framework for Internet Finance Business of Commercial Banks

现阶段,商业银行互联网金融产品创新往往陷入"保守-激进"进退两难的困境,效益和风险的平衡难以把握。构建基于互联网金融业务特性的全面风险管理体系,是银行能否运用互联网金融转型升级的关键所在。本研究在对商业银行互联网金融创新实践进行分类归纳的基础上,对银行金融功能进行重构,识别探索互联网金融创新业务风险和传统业务风险之间的蔓延和交互影响特征,以及现有风险管理能力的缺陷,构建了商业银行互联网金融创新的全面风险管理框架,包括宏观体系环境层、中观管理机制层和微观核心要素层三个层次。本文从动态、过程视角入手,研究商业银行互联网金融创新风险管理,以期为传统银行融合互联网金融目标的实现,提供有效的风险防范手段。

Commercial banks tend to be trapped in the conservative/radical dilemma in their internet financial product innovations. The balance of benefits and risks is difficult to grasp. Building a comprehensive risk management system based on the characteristics of intemet finance is the key to the bank＇s transformation. First, the practices of intemet financial innovations are classified and summarized. Second, we present the framework to reconstruct the financial function of commercial banks. Third, we identify the contagious feature between traditional financial business and internet financial business and the flaws of the current financial risk management in managing the risk of internet finance. Finally, we propose a comprehensive risk management framework for internet financial products, which consists of three levels： the macro-environmental level, the intermediate management level and the micro core element level. The study of this paper on internet finance risk management might be helpful in preventing financial risk.