The Study On Model And Risk Problem Of Internet Finance

With the rapid development of computer science and internet technology,the internet business gradually overturns the traditional financial model,no exception the financial industry,internet finance has already become one of the most fascinating vocabularies existing in China’s current economic community,especially the development of the new financial model,such as peer-to-peer lending,third-party payment, crowd funding, and so on. the internet finance based on the Internet architecture has achieved flourishing development,has challenged to current financial system,which si dominated by relatively traditional and stereotyped commercial banks.This theme of this paper is studied through model characteristics and risk problem of internet Finance,help to understand the main patterns of current Internet Financial and prepare for the risk management, has a positive meaning for the healthy development of internet financial.The article begins with an introduction section on the research background, significance, the literature review of domestic and foreign research, structure-arrangement and innovation, the pointed out that the theoretical basis of this writing; also, analysis of six common patterns of the Internet finance,and judgment the future development trend of each mode. Enhance the understanding and knowledge of the Internet financial model;moreover,we illustrate the risk types, to understand the undermine the stability of the Internet finance market,we analysis the prospective of strategic risk,credit risks,liquidity risk and so on.The fourth part mainly risk type and put forward feasible measures of prevention and control, this provide advice to facility a healthy,stable and orderly development of Internet finance. The fifth part carries on the summary to the status quo of China’s Internet finance, and the industry’s future development prospects.