Study On Risk Analysis And Supervision Of Chinese Internet Finance

With the development of the Internet and finance,especially for the need of deep reform in economy, internet finance is experiencing rapid growth. Since 2013 full-blown, Internet finance continues to maintain a rapid growth trend,Internet company,such as Alibaba’s Yuebao,Tenpay,P2P create a miracle, while its tentacles involve more and more networks of ordinary people in China and set off a wave that everyone is financier, everyone is a financial beneficiary of "self-finance" boom.Third-party payment platform, P2P, lending network, crowd funding, large financial data, third-party financial services platform and other Internet financial model to provide market participants with a richer, more efficient investment and financing, through loans.But the Internet is subject to financial risk characteristic inherent uncertainty, adverse selection and moral hazard "infancy" of the Internet, the development of finance in China still faces enormous challenges.Faced with the new financial risks brought about by the Internet, how it can be effectively to avoid the negative effects of the special risks, promoting healthy and orderly development of China’s Internet finance is an important research topic that can not be avoided.In this paper, a large number of actual cases of Internet financial reference, study the latest industry developments, so it does has some significance for financial risk management.In the preface, referring to important domestic and foreign literature, this study points out the ideas, methods and deficiencies;The first chapter introduces the basic theory of Internet banking, and lay the foundation for further study of Internet financial risks; further information on the risks of Internet banking presence, financial risk analysis of the Internet with traditional financial risks are not at variance proposed Internet financial risk classification, risk characteristics.Based on the reality of China Internet financial development,the second chapter analysis the current development of the Internet and the existing main modes. And mainly focuses on the analysis of risk and financial risk prevention of Internet facing and lay the foundation for further study of Internet financial risks; further information on the risks of Internet banking presence.Chapter III Control Measures Reference US internet financial.The fourth chapter analyses on how to establish a sound financial regulatory system, and put forward reasonable opinions and recommendations to promote healthy development of the Internet in the financial health of our country.