互联网金融下我国商业银行财务风险管理研究—以建设银行为例.docVIP

PAGE 15 PAGE 1 中文摘要 本文结合传统商业银行财务风险相关知识和我国商业银行在互联网金融发展下财务风险管理的现状，运用与案例相结合的方法，举例探讨中国建设银行在互联网金融下财务风险管理所存在的问题并给出相应的解决财务风险问题的建议，具有一定的现实实践意义。在网络借贷、第三方支付、电商交易平台已经成为互联网金融交易业务主潮流的今天，商业银行的财务风险也随之呈现出许多新的特点，也面临着更大的财务风险。本文正式基于这一课题，提出商业银行在互联网金融下如何完善和提高自身的财务风险管理水平。研究表明，中国建设银行在互联网金融的背景下存在几个问题，一是财务风险管理存在风险管理能力不足；二是财务风险组织保障不足；三是管理技术和方法不足。对此,本文提出中国建设银行应加强财务人员队伍的构建；完善银行的盈利性管理；提升财务风险的监督管理水平；完善风险管理体系等政策性建议。一方面为互联网金融这一领域相关的研究补充了相关的理论，另一方面为深化我国银行业改革发展提供一些理论的参考借鉴。 关键词： 互联网金融 商业银行 财务风险 Research on Financial Risk Management of Chinas Commercial Banks under Internet Finance——Taking Construction Bank as an Example Abstract Knowledge based on the traditional commercial bank financial risk and financial development of our country commercial bank in the Internet under the present situation of the financial risk management, using the method combined with a case of, for example, to explore the China Construction Bank in the Internet under the financial problems of financial risk management and gives the corresponding Suggestions to solve the problem of financial risk, has certain practical significance. As online lending, third-party payment, and e-banking have become the main trends of internet finance, the financial risks of commercial banks also show many new features and also face greater financial risks. Based on this topic, this paper puts forward how to improve the financial risk management level of commercial Banks under the Internet finance. The research shows that under the background of Internet finance, China Construction Banks financial risk management has insufficient risk management ability, insufficient financial risk organization protection and insufficient management techniques and methods. This paper proposes to improve the banks financial risk supervision and management level and improve the banks Policy recommendations for profitable management, strengthening the construction of bank financial management personnel, and improving the financial risk management system. On the