導語：互聯網(wang)金融下銀行財務(wu)風險管理探析一文來源于(yu)網(wang)友(you)上(shang)傳，不(bu)代表(biao)本站觀(guan)點，若(ruo)需要原(yuan)創文章(zhang)可咨詢(xun)客服老師，歡迎(ying)參(can)考。

［摘要］文章對互聯網金融背景下的銀行財務風險特征進行分析，結合該背景下常見的銀行財務風險與財務風險管理問題，提出銀(yin)行(xing)(xing)可(ke)通過(guo)“完善撥備計提制度”等舉措(cuo)(cuo)完善自身內部(bu)制度，通過(guo)“定位精(jing)準服務(wu)”等舉措(cuo)(cuo)來(lai)加強(qiang)自身的財(cai)(cai)務(wu)風(feng)險管(guan)(guan)理(li)能(neng)力，通過(guo)“完善銀(yin)行(xing)(xing)財(cai)(cai)務(wu)風(feng)險管(guan)(guan)理(li)流程”等舉措(cuo)(cuo)加強(qiang)銀(yin)行(xing)(xing)財(cai)(cai)務(wu)風(feng)險管(guan)(guan)理(li)系統建設，促使(shi)銀(yin)行(xing)(xing)財(cai)(cai)務(wu)風(feng)險管(guan)(guan)理(li)能(neng)力全(quan)面(mian)提升，使(shi)銀(yin)行(xing)(xing)適應互聯網金融背(bei)景(jing)帶來(lai)的影(ying)響并實現長(chang)遠發展。

［關鍵詞］銀行;互聯網(wang)金(jin)融;財務風險(xian)管理

1風險特征

第一(yi)，財(cai)務(wu)(wu)(wu)風(feng)險(xian)傳播速(su)度(du)快且具有破壞性(xing)，即互(hu)聯(lian)網(wang)金(jin)融背景下(xia)“銀(yin)(yin)(yin)行(xing)業(ye)務(wu)(wu)(wu)以(yi)互(hu)聯(lian)網(wang)平臺(tai)為(wei)(wei)基(ji)礎進行(xing)交易且交易速(su)度(du)極快”的特點(dian)導致銀(yin)(yin)(yin)行(xing)財(cai)務(wu)(wu)(wu)風(feng)險(xian)一(yi)旦出現便難以(yi)及時(shi)糾正(zheng);第二，財(cai)務(wu)(wu)(wu)風(feng)險(xian)監(jian)管(guan)(guan)困難重(zhong)重(zhong)，即互(hu)聯(lian)網(wang)金(jin)融背景要求銀(yin)(yin)(yin)行(xing)必須具備更為(wei)(wei)出眾的信息(xi)管(guan)(guan)理能(neng)(neng)力(li)(li)，若信息(xi)管(guan)(guan)理能(neng)(neng)力(li)(li)較差、銀(yin)(yin)(yin)行(xing)與監(jian)管(guan)(guan)部門之間信息(xi)不對稱就會導致財(cai)務(wu)(wu)(wu)風(feng)險(xian)難以(yi)得到監(jian)管(guan)(guan);第三，財(cai)務(wu)(wu)(wu)風(feng)險(xian)責(ze)任難以(yi)明(ming)確，即互(hu)聯(lian)網(wang)金(jin)融背景下(xia)的銀(yin)(yin)(yin)行(xing)業(ye)務(wu)(wu)(wu)流程更為(wei)(wei)復(fu)雜，涉及通信運(yun)營商等，當(dang)財(cai)務(wu)(wu)(wu)風(feng)險(xian)發(fa)生時(shi)，如何劃分財(cai)務(wu)(wu)(wu)風(feng)險(xian)責(ze)任就成為(wei)(wei)銀(yin)(yin)(yin)行(xing)必須面臨的難題。

2常見銀行財務風險

互(hu)聯(lian)網(wang)金(jin)(jin)融(rong)(rong)背(bei)景(jing)(jing)(jing)(jing)下(xia)(xia)(xia)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)財務(wu)(wu)風(feng)險(xian)(xian)如下(xia)(xia)(xia):第一，資(zi)本不足引發的(de)(de)財務(wu)(wu)風(feng)險(xian)(xian)，關(guan)于該風(feng)險(xian)(xian)須(xu)知(zhi)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)資(zi)金(jin)(jin)來源方式主要(yao)(yao)(yao)為(wei)客(ke)戶存(cun)款(kuan)，在(zai)互(hu)聯(lian)網(wang)金(jin)(jin)融(rong)(rong)背(bei)景(jing)(jing)(jing)(jing)下(xia)(xia)(xia)，余額寶、零(ling)錢通(tong)(tong)等(deng)網(wang)絡金(jin)(jin)融(rong)(rong)理(li)財產品因具備回報率(lv)偏高(gao)、投(tou)資(zi)便利(li)、存(cun)取款(kuan)操作(zuo)簡單等(deng)優勢廣受大(da)眾(zhong)青睞，比(bi)起銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)活期存(cun)款(kuan)，大(da)眾(zhong)更傾向于將(jiang)零(ling)散資(zi)金(jin)(jin)注入(ru)(ru)余額寶、零(ling)錢通(tong)(tong)當(dang)(dang)(dang)(dang)中(zhong)，這導(dao)致銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)資(zi)金(jin)(jin)吸取能(neng)力有(you)所下(xia)(xia)(xia)降，當(dang)(dang)(dang)(dang)資(zi)本不足、負(fu)債率(lv)偏高(gao)時銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)資(zi)本結(jie)構不平衡，就(jiu)更容易陷(xian)入(ru)(ru)財務(wu)(wu)風(feng)險(xian)(xian);第二，資(zi)產質量不佳引發的(de)(de)財務(wu)(wu)風(feng)險(xian)(xian)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)資(zi)產質量不佳多(duo)與銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)貸(dai)款(kuan)業務(wu)(wu)中(zhong)損(sun)失(shi)類貸(dai)款(kuan)比(bi)例過高(gao)有(you)關(guan)，當(dang)(dang)(dang)(dang)損(sun)失(shi)類貸(dai)款(kuan)比(bi)例過高(gao)、大(da)量資(zi)金(jin)(jin)得不到及時回收，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)財務(wu)(wu)風(feng)險(xian)(xian)抵抗(kang)能(neng)力會有(you)一個明(ming)顯(xian)下(xia)(xia)(xia)降，也就(jiu)更容易陷(xian)入(ru)(ru)財務(wu)(wu)危機當(dang)(dang)(dang)(dang)中(zhong);第三，在(zai)互(hu)聯(lian)網(wang)金(jin)(jin)融(rong)(rong)背(bei)景(jing)(jing)(jing)(jing)下(xia)(xia)(xia)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)流動性(xing)風(feng)險(xian)(xian)更加明(ming)顯(xian)，這與互(hu)聯(lian)網(wang)金(jin)(jin)融(rong)(rong)背(bei)景(jing)(jing)(jing)(jing)下(xia)(xia)(xia)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業務(wu)(wu)以(yi)互(hu)聯(lian)網(wang)為(wei)基礎(chu)進行(xing)(xing)(xing)(xing)線(xian)上交(jiao)易有(you)關(guan);第四(si)，盈(ying)(ying)利(li)性(xing)下(xia)(xia)(xia)降導(dao)致的(de)(de)風(feng)險(xian)(xian)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)能(neng)否(fou)實現盈(ying)(ying)利(li)主要(yao)(yao)(yao)要(yao)(yao)(yao)看貸(dai)款(kuan)業務(wu)(wu)，在(zai)互(hu)聯(lian)網(wang)金(jin)(jin)融(rong)(rong)背(bei)景(jing)(jing)(jing)(jing)下(xia)(xia)(xia)多(duo)種多(duo)樣(yang)的(de)(de)互(hu)聯(lian)網(wang)金(jin)(jin)融(rong)(rong)產品擠占了銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)盈(ying)(ying)利(li)空間，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)盈(ying)(ying)利(li)能(neng)力下(xia)(xia)(xia)降會使(shi)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)更容易陷(xian)入(ru)(ru)財務(wu)(wu)風(feng)險(xian)(xian)當(dang)(dang)(dang)(dang)中(zhong)。

3風險管理問題

第一(yi)，制度因(yin)素(su)導(dao)致(zhi)(zhi)的(de)(de)(de)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)問(wen)(wen)(wen)題(ti)(ti)。例(li)如(ru)，某(mou)些銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)內(nei)部控制制度存在(zai)(zai)問(wen)(wen)(wen)題(ti)(ti)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)在(zai)(zai)處理(li)(li)(li)貸款(kuan)業(ye)務(wu)(wu)(wu)(wu)時(shi)(shi)，未(wei)根據貸款(kuan)業(ye)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)需求(qiu)設置監督管(guan)(guan)理(li)(li)(li)機(ji)構，給員(yuan)工(gong)留下(xia)消極怠工(gong)、作假舞(wu)弊的(de)(de)(de)空間，導(dao)致(zhi)(zhi)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)在(zai)(zai)處理(li)(li)(li)貸款(kuan)業(ye)務(wu)(wu)(wu)(wu)時(shi)(shi)存在(zai)(zai)效率(lv)低、質量(liang)差等(deng)問(wen)(wen)(wen)題(ti)(ti)，使損失(shi)類貸款(kuan)比(bi)例(li)增長，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)資(zi)(zi)產(chan)質量(liang)不佳，從(cong)而引發(fa)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)。第二，人員(yuan)因(yin)素(su)導(dao)致(zhi)(zhi)的(de)(de)(de)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)問(wen)(wen)(wen)題(ti)(ti)。即互(hu)(hu)聯(lian)(lian)(lian)網(wang)背景(jing)下(xia)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)缺乏充足的(de)(de)(de)人才保障(zhang)，更容易面臨財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)，關于該點需要了解(jie):一(yi)方(fang)面，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)內(nei)大(da)部分工(gong)作人員(yuan)都缺乏風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)意識及(ji)手(shou)段，且(qie)對互(hu)(hu)聯(lian)(lian)(lian)網(wang)金融(rong)了解(jie)不深;另一(yi)方(fang)面，在(zai)(zai)現實約束下(xia)，即使銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)重視人才培(pei)訓，也很難(nan)通過短(duan)期培(pei)訓迅速得到(dao)業(ye)務(wu)(wu)(wu)(wu)能力極強、具備(bei)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)意識及(ji)能力的(de)(de)(de)人才。第三，設備(bei)與技(ji)術因(yin)素(su)導(dao)致(zhi)(zhi)的(de)(de)(de)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)問(wen)(wen)(wen)題(ti)(ti)。在(zai)(zai)互(hu)(hu)聯(lian)(lian)(lian)網(wang)金融(rong)背景(jing)下(xia)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)積(ji)極開發(fa)互(hu)(hu)聯(lian)(lian)(lian)網(wang)金融(rong)產(chan)品(pin)，對互(hu)(hu)聯(lian)(lian)(lian)網(wang)的(de)(de)(de)依賴程(cheng)度逐漸上升，此時(shi)(shi)若缺乏設備(bei)與技(ji)術保障(zhang)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)更容易出(chu)(chu)現財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)。例(li)如(ru)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)在(zai)(zai)互(hu)(hu)聯(lian)(lian)(lian)網(wang)平臺上進行(xing)(xing)(xing)(xing)(xing)業(ye)務(wu)(wu)(wu)(wu)交易時(shi)(shi)，若交易系統存在(zai)(zai)漏洞，可(ke)能導(dao)致(zhi)(zhi)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)出(chu)(chu)現資(zi)(zi)金被盜等(deng)情(qing)況，若資(zi)(zi)金被盜問(wen)(wen)(wen)題(ti)(ti)影響較(jiao)大(da)引起(qi)客(ke)(ke)戶恐慌，出(chu)(chu)現客(ke)(ke)戶大(da)量(liang)流失(shi)，就可(ke)能引發(fa)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)。第四，思想因(yin)素(su)導(dao)致(zhi)(zhi)的(de)(de)(de)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)問(wen)(wen)(wen)題(ti)(ti)。比(bi)如(ru)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)管(guan)(guan)理(li)(li)(li)人員(yuan)長期把管(guan)(guan)理(li)(li)(li)重點落在(zai)(zai)“市場占(zhan)比(bi)”上，為提高市場占(zhan)比(bi)不斷參與高風(feng)(feng)險(xian)(xian)(xian)項目、盲目開發(fa)互(hu)(hu)聯(lian)(lian)(lian)網(wang)金融(rong)產(chan)品(pin)，導(dao)致(zhi)(zhi)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)險(xian)(xian)(xian)增大(da)。

4管理舉措

4.1完(wan)(wan)善(shan)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)內(nei)部(bu)(bu)(bu)制(zhi)度(du)(du)(du)。完(wan)(wan)善(shan)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)內(nei)部(bu)(bu)(bu)制(zhi)度(du)(du)(du)建(jian)(jian)設(she)(she)(she)的(de)(de)(de)主要(yao)(yao)(yao)(yao)(yao)舉措如(ru)(ru)下(xia)(xia)(xia)(xia):第(di)一，從(cong)(cong)全面加強(qiang)(qiang)(qiang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)的(de)(de)(de)角度(du)(du)(du)來(lai)(lai)看，互聯網金(jin)(jin)融(rong)(rong)背(bei)景下(xia)(xia)(xia)(xia)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)要(yao)(yao)(yao)(yao)(yao)完(wan)(wan)善(shan)內(nei)部(bu)(bu)(bu)制(zhi)度(du)(du)(du)，必須進(jin)(jin)(jin)一步完(wan)(wan)善(shan)撥(bo)備(bei)計提(ti)(ti)制(zhi)度(du)(du)(du)、資(zi)(zi)產負債制(zhi)度(du)(du)(du)，并加強(qiang)(qiang)(qiang)流動性(xing)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)持續監(jian)(jian)管(guan)(guan)與(yu)信(xin)(xin)用(yong)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)監(jian)(jian)管(guan)(guan);第(di)二，為(wei)提(ti)(ti)高銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)資(zi)(zi)產的(de)(de)(de)安全性(xing)，在完(wan)(wan)善(shan)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)內(nei)部(bu)(bu)(bu)制(zhi)度(du)(du)(du)時(shi)(shi)(shi)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)要(yao)(yao)(yao)(yao)(yao)改善(shan)貸款結構(gou)，通(tong)過改善(shan)貸款管(guan)(guan)理(li)(li)(li)流程(cheng)不(bu)匹配(pei)問題、完(wan)(wan)善(shan)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)預(yu)警(jing)(jing)系(xi)(xi)統并加強(qiang)(qiang)(qiang)貸后(hou)(hou)管(guan)(guan)理(li)(li)(li)、實(shi)(shi)施信(xin)(xin)貸績(ji)效考核(he)等辦法來(lai)(lai)降低(di)不(bu)良貸款比例;第(di)三，加強(qiang)(qiang)(qiang)內(nei)部(bu)(bu)(bu)控制(zhi)建(jian)(jian)設(she)(she)(she)，重視銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)內(nei)部(bu)(bu)(bu)人(ren)員財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)意(yi)識的(de)(de)(de)培(pei)養(yang)，同(tong)時(shi)(shi)(shi)構(gou)建(jian)(jian)目(mu)標(biao)(biao)管(guan)(guan)理(li)(li)(li)體(ti)(ti)系(xi)(xi)、過程(cheng)管(guan)(guan)理(li)(li)(li)體(ti)(ti)系(xi)(xi)、監(jian)(jian)督管(guan)(guan)理(li)(li)(li)體(ti)(ti)系(xi)(xi)，通(tong)過目(mu)標(biao)(biao)引導以(yi)(yi)及(ji)(ji)全過程(cheng)監(jian)(jian)督使財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)工(gong)作落到(dao)實(shi)(shi)處;第(di)四，提(ti)(ti)高銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)從(cong)(cong)業(ye)人(ren)員綜合素質(zhi)，此(ci)(ci)時(shi)(shi)(shi)，必須結合互聯網金(jin)(jin)融(rong)(rong)背(bei)景下(xia)(xia)(xia)(xia)的(de)(de)(de)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)管(guan)(guan)理(li)(li)(li)需(xu)求(qiu)與(yu)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)特(te)點(dian)找對(dui)(dui)人(ren)員培(pei)養(yang)方向(xiang)(xiang)，制(zhi)訂出可(ke)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)人(ren)才培(pei)養(yang)計劃與(yu)方案(an)，同(tong)時(shi)(shi)(shi)適(shi)度(du)(du)(du)使用(yong)激勵、考核(he)制(zhi)度(du)(du)(du)。4.2提(ti)(ti)高銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)能力(li)。在互聯網金(jin)(jin)融(rong)(rong)背(bei)景下(xia)(xia)(xia)(xia)如(ru)(ru)何提(ti)(ti)高銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)能力(li)可(ke)從(cong)(cong)以(yi)(yi)下(xia)(xia)(xia)(xia)三點(dian)入手:第(di)一，定位精(jing)準服務(wu)(wu)(wu)(wu)，即(ji)(ji)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)在開展業(ye)務(wu)(wu)(wu)(wu)時(shi)(shi)(shi)必須找準自身(shen)定位，選擇適(shi)合自己(ji)生存、發展的(de)(de)(de)空間(jian)及(ji)(ji)范圍(wei)(wei)，降低(di)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)運營(ying)成本(ben)，同(tong)時(shi)(shi)(shi)規避盲目(mu)擴(kuo)張(zhang)(zhang)，降低(di)資(zi)(zi)本(ben)不(bu)足(zu)引發財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)的(de)(de)(de)可(ke)能;第(di)二，采取多(duo)(duo)(duo)(duo)(duo)元化(hua)(hua)經營(ying)模式(shi)，即(ji)(ji)在互聯網金(jin)(jin)融(rong)(rong)背(bei)景下(xia)(xia)(xia)(xia)通(tong)過地(di)域多(duo)(duo)(duo)(duo)(duo)元化(hua)(hua)和產品多(duo)(duo)(duo)(duo)(duo)元化(hua)(hua)來(lai)(lai)提(ti)(ti)高銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)對(dui)(dui)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)的(de)(de)(de)抗性(xing)。關于(yu)地(di)域多(duo)(duo)(duo)(duo)(duo)元化(hua)(hua)須知(zhi)，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)在推行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)地(di)域多(duo)(duo)(duo)(duo)(duo)元化(hua)(hua)時(shi)(shi)(shi)必須擁有堅實(shi)(shi)的(de)(de)(de)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)政(zheng)儲備(bei)、最(zui)好(hao)以(yi)(yi)城市為(wei)中(zhong)心逐步向(xiang)(xiang)外(wai)擴(kuo)張(zhang)(zhang);關于(yu)產品多(duo)(duo)(duo)(duo)(duo)元化(hua)(hua)須知(zhi)，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)在推行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)產品多(duo)(duo)(duo)(duo)(duo)元化(hua)(hua)時(shi)(shi)(shi)必須以(yi)(yi)充分(fen)滿足(zu)客戶需(xu)求(qiu)為(wei)目(mu)標(biao)(biao)、必須進(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)充分(fen)的(de)(de)(de)市場調研、必須找準高收益項(xiang)目(mu)且必須結合銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)現(xian)有基(ji)礎與(yu)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)優勢;第(di)三，發展道路特(te)色化(hua)(hua)，即(ji)(ji)互聯網金(jin)(jin)融(rong)(rong)背(bei)景下(xia)(xia)(xia)(xia)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)可(ke)通(tong)過特(te)色化(hua)(hua)發展來(lai)(lai)提(ti)(ti)高自身(shen)的(de)(de)(de)市場競爭力(li)，例如(ru)(ru)針對(dui)(dui)中(zhong)小(xiao)微企(qi)業(ye)需(xu)求(qiu)打造專屬中(zhong)小(xiao)微企(qi)業(ye)互聯網金(jin)(jin)融(rong)(rong)產品，從(cong)(cong)而提(ti)(ti)高銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)盈(ying)利(li)(li)能力(li)，降低(di)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)因(yin)盈(ying)利(li)(li)能力(li)不(bu)足(zu)出現(xian)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)的(de)(de)(de)可(ke)能。4.3加強(qiang)(qiang)(qiang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)系(xi)(xi)統建(jian)(jian)設(she)(she)(she)。第(di)一，完(wan)(wan)善(shan)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)流程(cheng)，首先，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)要(yao)(yao)(yao)(yao)(yao)根(gen)據不(bu)同(tong)業(ye)務(wu)(wu)(wu)(wu)與(yu)不(bu)同(tong)部(bu)(bu)(bu)門面臨的(de)(de)(de)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)對(dui)(dui)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)識別(bie)職責與(yu)基(ji)本(ben)分(fen)工(gong)進(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)明(ming)確;其次(ci)，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)要(yao)(yao)(yao)(yao)(yao)明(ming)確財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)識別(bie)范圍(wei)(wei)，使財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)防(fang)范范圍(wei)(wei)從(cong)(cong)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)內(nei)部(bu)(bu)(bu)逐漸向(xiang)(xiang)整個行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)以(yi)(yi)及(ji)(ji)經濟(ji)大環境擴(kuo)張(zhang)(zhang);再次(ci)，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)要(yao)(yao)(yao)(yao)(yao)完(wan)(wan)善(shan)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)識別(bie)內(nei)容，除了(le)摸(mo)清財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)規律、分(fen)析財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)原因(yin)外(wai)，還要(yao)(yao)(yao)(yao)(yao)對(dui)(dui)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)進(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)更(geng)為(wei)有效的(de)(de)(de)預(yu)警(jing)(jing)與(yu)防(fang)范;最(zui)后(hou)(hou)，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)要(yao)(yao)(yao)(yao)(yao)利(li)(li)用(yong)互聯網金(jin)(jin)融(rong)(rong)背(bei)景下(xia)(xia)(xia)(xia)的(de)(de)(de)各項(xiang)先進(jin)(jin)(jin)信(xin)(xin)息(xi)(xi)技(ji)術，例如(ru)(ru)大數(shu)據技(ji)術，進(jin)(jin)(jin)一步完(wan)(wan)善(shan)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)識別(bie)方法。第(di)二，加強(qiang)(qiang)(qiang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)信(xin)(xin)息(xi)(xi)系(xi)(xi)統建(jian)(jian)設(she)(she)(she)，此(ci)(ci)時(shi)(shi)(shi)需(xu)注意(yi)，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)信(xin)(xin)息(xi)(xi)系(xi)(xi)統的(de)(de)(de)建(jian)(jian)設(she)(she)(she)必須循序漸進(jin)(jin)(jin)，在設(she)(she)(she)計該系(xi)(xi)統時(shi)(shi)(shi)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)可(ke)參考國內(nei)外(wai)案(an)例借鑒(jian)他人(ren)經驗(yan)。另外(wai)，風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)信(xin)(xin)息(xi)(xi)系(xi)(xi)統在對(dui)(dui)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)信(xin)(xin)息(xi)(xi)進(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)管(guan)(guan)理(li)(li)(li)時(shi)(shi)(shi)，必須做到(dao)管(guan)(guan)理(li)(li)(li)具(ju)有層次(ci)性(xing)，且不(bu)同(tong)領(ling)域信(xin)(xin)息(xi)(xi)保(bao)持相對(dui)(dui)獨(du)立。第(di)三，完(wan)(wan)善(shan)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)預(yu)警(jing)(jing)體(ti)(ti)系(xi)(xi)，一個完(wan)(wan)善(shan)的(de)(de)(de)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)預(yu)警(jing)(jing)體(ti)(ti)系(xi)(xi)要(yao)(yao)(yao)(yao)(yao)包括(kuo)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)防(fang)控方法、財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)防(fang)控模型、財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)目(mu)標(biao)(biao)預(yu)警(jing)(jing)、財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)防(fang)控指標(biao)(biao)體(ti)(ti)系(xi)(xi)。第(di)四，完(wan)(wan)善(shan)資(zi)(zi)產流轉系(xi)(xi)統，借此(ci)(ci)對(dui)(dui)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)資(zi)(zi)金(jin)(jin)流轉速度(du)(du)(du)、流向(xiang)(xiang)進(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)管(guan)(guan)理(li)(li)(li)監(jian)(jian)督，從(cong)(cong)而實(shi)(shi)現(xian)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)水平提(ti)(ti)升，降低(di)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)資(zi)(zi)金(jin)(jin)流轉環節的(de)(de)(de)財(cai)(cai)(cai)(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)。

5結論

互(hu)聯(lian)網金融背景下銀(yin)行(xing)財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)更加(jia)復雜(za)，財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)管理(li)(li)難(nan)度也有所增加(jia)，銀(yin)行(xing)要實現生存及發展(zhan)，就必須重(zhong)視財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)管理(li)(li)研究，積極(ji)采取有助于財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)管理(li)(li)水平提升(sheng)(sheng)的措施。在(zai)加(jia)強(qiang)銀(yin)行(xing)財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)管理(li)(li)時，可從完善內(nei)部制度、提高銀(yin)行(xing)財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)管理(li)(li)能力、加(jia)強(qiang)銀(yin)行(xing)財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)管理(li)(li)系統建設三方面入手，除了采取加(jia)強(qiang)內(nei)部控制建設、多元(yuan)化經營等措施，銀(yin)行(xing)還(huan)可通過加(jia)強(qiang)信用評級(ji)制度建設等做(zuo)法，進一步減輕銀(yin)行(xing)財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)管理(li)(li)壓力，促進銀(yin)行(xing)財(cai)(cai)務(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)管理(li)(li)水平提升(sheng)(sheng)。

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［2］鄭思佳.互聯網(wang)金融(rong)背(bei)景下的商(shang)業銀行(xing)風險管理體系優化研(yan)究［D］．蚌埠:安徽財經大(da)學，2019.

作者:李凱(kai)凱(kai) 單位(wei):山(shan)東廣饒農村商業(ye)銀行股份有(you)限公司