互联网金融背景下中信银行财务风险案例研究

A case study on the financial risk of Zhongxin Bank under the background of Internet finance

互联网金融背景下商业银行财务风险呈现出新特点。文章从财务与会计控制视角,提出了互联网金融背景下商业银行财务风险问题。文章在梳理了国内外研究现状的基础上,选取中信银行为研究对象,通过对财务报表数据的整合,系统分析了互联网金融对商业银行投资、融资、经营各业务领域的影响并探究原因,最后针对这些风险提出了一系列加强财务风险管理、防范降低财务风险的建议措施。

Under the background of Internet finance,the financial risk of commercial banks presents new characteristics.In this paper,the financial risk of commercial banks under the Internet financial background is creatively put forward in the field of accounting instead of in the field of finance.Based on the status of the domestic and foreign research,we select the Zhongxin Bank as the research object.Through the integration of the financial data,we make an intuitive analysis of the impact of Internet finance on the business of investment,financing and management in the bank.We finally put forward a series of recommendations about strengthening financial risk management and measures to prevent and reduce financial risks.