互联网银行信用风险管理研究——以浙江网商银行为例

Research on Credit Risk Management of Internet Banks—Taking Zhejiang E-Commerce Bank as an Example

摘要: 2015年，网商银行得到批准成立，标志着在区块链、人工智能、大数据和云计算等关键核心技术的底层算法研究和应用方面的技术攻关下，国内互联网银行金融踏进了起步阶段。然而由于网商银行发展时间较短正处于起步阶段，在风险管理方面存在着一定的不足。因此本文以网商银行为例，首先对网商银行的基本情况和其主要的信贷产品进行介绍；其次分析网商银行对信贷业务及客户群体的信用风险管理现状，发现尽管前几年网商银行的信用风险管理成效良好，但2023年以来逐渐暴露出其存在的一些问题。最后基于网商银行信用风险管理现状以及存在的问题提出了一些建议和对策，以期为互联网银行发展以及加强互联网金融的监管规范提供借鉴。

Abstract: In 2015, Zhejiang E-Commerce Bank was approved to be established, marking the domestic Internet banking and finance stepped into the starting stage under the technical research and application of the underlying algorithm research and application of key core technologies such as blockchain, artificial intelligence, big data and cloud computing. However, due to the short development time of Zhejiang E-Commerce Bank is in the starting stage, there are certain deficiencies in risk management. Therefore, this paper takes Zhejiang E-Commerce Bank as an example, firstly, introduces the basic situation of Internet bank and its main credit products; secondly, analyzes the current situation of Zhejiang E-Commerce Bank credit risk management for credit business and customer groups, and finds that although Zhejiang E-Commerce Bank’s credit risk management has been effective in the first few years, some of its existing problems have been gradually exposed since 2023. Finally, some suggestions and countermeasures are put forward based on the current situation of credit risk management and existing problems of Bank Zhejiang E-Commerce, with a view to providing reference for the development of Internet banks and strengthening the regulatory norms of Internet finance.