Risk Analysis Of China’s Internet Finance And Strategies

In the new era of economic globalization, with the popularity of the range ofInternet technology increasingly broad, Paypal, Taobao all the chips, P2P mode andother new financial vocabulary emerging in people’s field of vision, the traditionalfinancial sector continue to penetrate the Internet technology convenient factor,meanwhile, big data, social networking, cloud computing and other Internettechnologies are gradually penetrate to the Internet in the form of traditional bankingfinancial sector, China’s financial industry has gradually entered a new age of theInternet, so the Internet Finance came into being, and has become an integral part ofour daily lives among the payment and investment. Although the Internet andtraditional banking services combining Internet financial services is a hot topic today,but the Internet industry has always been the main battlefield of venture capital,while the rapid development of Internet banking model, the Internet also contains alarge number of financial risks. At present, China Internet financial development stillin its infancy stage, research on the internet financial model is not mature enough.Therefore, this article from the Internet finance basic concepts and characteristics,analyzes the current situation of Internet banking major mode of development, andin-depth analysis of the various risks in its development process, and then proposetargeted suggestions, the paper analyzes the theoretical has an important guidingsignificance for the development of China’s financial markets. This paper is dividedinto six sections:The first chapter, Introduction. Introduction analyzes the background andsignificance of this paper, the system introduces the methods and content of thisarticle, review and learn from at home and abroad for the relevant research methods and findings of Internet banking, the system introduces the ideas and methods of theentire article, and points out the features and innovations of this article.The second chapter, an overview of Internet financial model. This sectionintroduces the concept of Internet financial model, classification and characteristicsof the Internet banking into third-party payment, P2P mode and all the chip mode,large data finance, information technology and financial institutions, Internetfinancial portal six categories, and elaborates the meaning and the correspondingcharacteristics of each classification.The third chapter analyzes the status quo of China’s Internet and financialdevelopment. This section describes the development status of the six classes ofInternet banking in our country, mainly in the rapid development of third-partypayment, P2P mode and all the chips mode affects more widely, big data andfinancial advantage started to appear, the development of information technology hasbecome the financial institution trend, Internet financial portal enhancements,meanwhile, describes the potential risks of each model in the development processfaced.The fourth chapter, the existence of the Internet in China risk financial model. Thischapter focuses on the kinds of risks that exist on the part of the six modes of sum up,the risk can be divided into four categories: legal risk, technology risk, the risk offinancial security and information security risks.Chapter V, measures the steady development of Internet financial advice. Fourcategories based on the risks set forth above, for the healthy development of China’sInternet financial model proposed targeted countermeasures and suggestions onChina’s financial markets have a certain significance in the future of a healthy andorderly operation.