Research on Risk Management in Internet Banking
Abstract
In recent years, China’s economy has undergone tremendous transformation and market competition has become
increasingly fi erce, which has led to signifi cant development in the innovation and reform of China’s fi nancial industry, and Internet banking
has become the focus of public attention. Internet banking is an emerging model of fi nancial inclusion. The Internet faces a variety of risks
and challenges, such as the lack of a comprehensive risk assessment system, insuffi ciently strict identifi cation of customers, and imperfect
regulatory mechanisms. The solution of these problems is of great signifi cance to ensure the healthy development of the Internet fi nancial
industry. This paper will discuss from the following perspectives: fi rstly, it introduces the characteristics and development trend of Internet
banking; secondly, it analyses the main risk factors currently faced by Internet banks; and fi nally, it provides some referential suggestions on
the future development of China’s Internet banks, which is expected to lay a foundation for the formulation of inclusive fi nancial policies in
the future.
increasingly fi erce, which has led to signifi cant development in the innovation and reform of China’s fi nancial industry, and Internet banking
has become the focus of public attention. Internet banking is an emerging model of fi nancial inclusion. The Internet faces a variety of risks
and challenges, such as the lack of a comprehensive risk assessment system, insuffi ciently strict identifi cation of customers, and imperfect
regulatory mechanisms. The solution of these problems is of great signifi cance to ensure the healthy development of the Internet fi nancial
industry. This paper will discuss from the following perspectives: fi rstly, it introduces the characteristics and development trend of Internet
banking; secondly, it analyses the main risk factors currently faced by Internet banks; and fi nally, it provides some referential suggestions on
the future development of China’s Internet banks, which is expected to lay a foundation for the formulation of inclusive fi nancial policies in
the future.
Keywords
internet banking; internet fi nance; risk management
Full Text:
PDFReferences
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[3] Wang Q. An analysis of the main risks of internet banking[J]. Economic and technical co-operation information, 2020, (19)
[4] Yang Xuelong, Li Luoyao. Research on credit risk management of Internet banks[J]. Hebei enterprise, 2022, (3):98-100.
DOI: http://dx.doi.org/10.18686/modern-management-forum.v8i2.12276
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