Research on the Comprehensive Risk Management Model of Commercial Banks under the Background of Internet Finance

Abstract

Under the wave of internet finance, banks are constantly promoting financial innovation and system reform, and launching new asset management business. Commercial banks are an important part of China's economic system, which are closely related to various industries in the market and are the key factors to promote the smooth progress of market economic activities. At present, some commercial banks in China copy foreign advanced quantitative management technology without thinking, which can not only reduce the risk of banks, but also make the operation of the whole bank very chaotic. Under the background of Internet finance, how to deal with all kinds of financial crises, do a good job in risk management and improve their ability to prevent and solve risks is a problem worthy of deep thinking and discussion. Taking the overall risk management of commercial banks as the research object, this paper expounds the connotation and existing problems of internet finance. Based on the related contents of risk management, this paper puts forward some suggestions on how to solve the problems existing in the comprehensive risk management of commercial banks under the background of Internet finance, so as to provide some reference for relevant units and researchers.