Internet Financial Risk And Risk Management Research

Internet financial year began in 2013, to flourish in 2014, in particular, listed in December 2014 the United States P2 P Lending Club platform success, to the entire Internet financial injected a needle excited, Internet banking has become the streets often Yee buzzword. Internet banking is the premise of the rapid development of the Internet industry, for an innovative form of traditional financial sector, the use of the Internet thinking in financial services, namely their own financial property, but also has the Internet "open, equality, cooperation, sharing" spirit, its applications from self-check, electronic transfer extends to the third-party payment, online finance, online banking and other.Internet banking from generation to now go through three stages, four business models, compared to the traditional financial sector with low financing costs, speed, high efficiency, the risk is mainly reflected in the legal risks, including the lack of legal regulation and protection, quasi the threshold is low; credit risks, including information asymmetry and lack of credit evaluation; technology risk, including the risk of interruption of business operations, online payment security risks, information and data security risks; operational risks, including the risk of default, runs the risk.By studying a large number of practical examples, learn about the latest industry trends, comparative analysis of Internet financial risk control measures at home and abroad, combined with our current Internet banking environment, "pat-prime" risk management case modeled made from Internet access mechanism to improve financial market, improve the regulatory mechanism, the introduction of laws and regulations on the Internet as soon as the financial basis and gradually establish a sound credit system of big data in four areas of civil, construction suits the actual situation of China’s current Internet financial risk regulatory system.With the continuous development of the Internet of the financial industry, the Internet is increasingly important financial risk management. This study can provide a reference for financial risk management of China’s Internet to a certain extent, so as to promote the healthy development of the Internet of the financial industry. I believe that with more and more of the Internet to improve and standardize the financial industry, the future will be able to walk in the forefront of the world’s financial industry.