Research On Internet Financial Risk Management In China

With the vigorous development of Internet Finance in our country, the number of Internet financial institutions are also an exponential growth. At the same time, there are also problems growing number of Internet financial institutions, running, frequent closure of the case. We are in our Internet Finance has made remarkable achievements and shocking at the same time, it had noted the existence of the Internet financial potential risks have restricted the healthy development of Internet Finance in China. Purpose of this paper is to finance the presence of the Internet in China to study potential risks, and risk management recommendations targeted. Use of literature research and empirical analysis in the process of writing.Chapter two, three and four is the core content of this article. The second chapter introduces the origin and development of its Internet Finance in the United States and Japan; Following the introduction of the current development of the Internet as well as financial problems some achievements and discoveries; and finally the development of the Internet to do financial outlook, as the current development of the Internet financial background introduction. The third chapter describes the existence of the Internet financial potential risks, including credit risk, operational risk, liquidity risk, technology risk and legal risk policy, as well as current problems of financial risk management on the Internet presence of inadequate regulation, legal positioning unknown, internal risk control is weak,the risk of lack of response mechanisms and asymmetric information. Combined with foreign Internet financial risk management experience for our proposed recommendations,namely to improve the Internet banking laws and regulations, promote self-discipline, and promote Internet financial information security, establish a complete credit rating system and strengthening international exchanges and cooperation. The fourth chapter Case ppdai for the current problem is more serious P2 P research field of risk management issues, and put forward relevant risk management proposals escrow funds, credit risk protection and improve risk control system. Finally, make a summary of the full text.