互联网金融背景下商业银行风险管理研究

Risk Management of Commercial Banks in the Context of Internet Finance

随着互联网技术的飞速进步,商业银行在互联网金融热潮的推动下赢来了新的发展机遇,开辟了线上业务办理渠道,降低线下经营成本,加快了经营策略和经营理念的转型升级,将互联网快捷、贡献的精神融入到期传统金融业务的创新中,商业银行在享受互联网金融时代带来利好的同时,也承受着互联网金融背景下金融风险的升级挑战,如果不能及时做好风险的防范、识别、控制,就容易导致商业银行陷入危机,甚至威胁全球经济的安全。因此,本文从互联网金融时代的研究背景出发,阐述了互联网金融的概念内涵,分析其发展现状,对商业银行在互联网金融时代可能出现的风险类型进行预测以及探究商业银行对各类金融风险的识别,最后提出了互联网金融背景下商业银行风险防范的对策。

With the rapid progress of Internet technology, commercial banks have won new development opportunities under the promotion of the Internet financial boom, opened up online business processing channels, reduced offline business costs, accelerated the transformation and upgrading of business strategies and business concepts, and integrated the spirit of fast Internet and contribution into the innovation of mature traditional financial services. Commercial banks are enjoying the Internet money at the same time, the financial era brings benefits, but also bears the challenge of financial risk upgrading under the background of Internet finance. If we can’t do a good job in risk prevention, identification and control in time, it will easily lead commercial banks into crisis, and even threaten the security of the global economy. Therefore, starting from the research background of the Internet Finance era, this paper expounds the concept and connotation of Internet finance, analyzes its development status, forecasts the possible risk types of commercial banks in the Internet Finance era and explores the identification of various financial risks by commercial banks, and finally puts forward the countermeasures against the risks of commercial banks in the Internet finance background.