The Analysis On The Risk And Prevention Of Chinese Internet Finance

Along with the network technology, electronic commerce environment, big data, such as the development of technology, the birth of the Internet finance. It combines the characteristics of the finance and the Internet, and claims on the open platform, through interactive marketing, bring brand-new experience for the customers. Internet finance has revolutionary influence on the traditional industry, will reconstruct financial structure, change the traditional financial business model, subvert the traditional financial ways to produce value. The Internet finance appears many advantages and convenience to show people it’s at the same time, also exposed its risk.The rapidly development of Chinese Internet finance, emerged many new financial mode, which presents the three trends, namely, mobile payment alternatives to the traditional payment business, Peer-to-Peer lending is the replacement of the traditional deposit and lending business, and Crowdfunding alternatives to traditional securities business. They represent the direction of the financial industry innovation and development, are the new modes of better realize financial function. This paper has narrated in more detail about the substance of mobile payment, Peer-to-Peer lending and Crowdfunding, pointed out Chinese Internet Finance is still in the early stage of development, not only facing opportunities and challenges, but also meeting more various risks than the traditional financial. In addition to the traditional finance activities in the common market risk, credit risk and liquidity risk, Chinese Internet finance also face to the risk brought by the Internet and computer technology, network virtual fuzzy and the risks of business and the relevant laws and regulations lag caused by the legal risks and lack of regulatory problems. Due to the rapid spread of the Internet, once risk for processing is not timely, will result in a chain reaction, and even the impact of the financial system.In this dissertation, the characteristic is on the basis of comprehensive analysis of the features above all kinds of risks, through the case analysis of CreditEase company, further illustrate the Internet finance hidden troubles in the actual transaction, to strengthen the understanding and thinking of the risk of the Internet financial. Furthermore based on the Internet financial risks were also involved, the author suggested that build a multi-level and multi-angle and comprehensive Internet financial risk prevention system, the computer network security, business management, legal system construction, and supervision and management aspects to pay close attention to safety, to help guide the financial healthy and orderly development of the Internet, which helps to perfect the Socialist financial marketing system.