互联网金融背景下商业银行风险管理

Risk Management of Commercial Banks under the Background of Internet Finance

互联网金融是近些年金融行业发展的重点方向。互联网金融在降低商业交易成本等方面具有明显的优势,因此备受商业银行的推崇。但也存在一些风险管理的问题,包括跨平台风险问题、风险管理流程问题、安全管理体系问题,因此商业银行在互联网金融发展背景下应坚持信用资源整合、过程性监管和构建安全管理体系,最大限度提升商业银行抗风险能力,避免互联网金融风险传导对商业银行发展造成的负面影响。

Internet finance is the key direction of financial industry development in recent years.Internet finance has obvious advantages in reducing commercial transaction costs,so it is highly praised by commercial banks.However,there are also some problems in risk management,including cross platform risk,risk management process and security management system.Therefore,commercial banks should adhere to credit resource integration,process supervision and build a security management system in the context of Internet finance development,so as to maximize the risk resistance of commercial banks and avoid the negative impact of Internet finance risk transmission on the development of commercial banks.