Research On The Risk Of Internet Finance And The Countermeasures

This paper studies the risk of Internet finance and the Countermeasures. Through the regression model for the symbiotic analysis of Internet finance and the entity finance, it analyses the development status,risk characteristics of Internet finance and the international experience in Internet finance regulation. The paper argues that there are operator risks,legal and compliance risks,operational technology risks,market liquidity risks,capital safety risks and monetary policy risks,etc. in Internet finance. The internet finance regulation in developed countries mainly include the regulation of third-party payment,online credits,online banking, public financing.To improve the domestic internet finance regulation,it’s necessary to form regulatory principles, and keep balance between appropriate regulation and regulation coordination; make use of the function of industry self-regulatory organization;accelerate the constitution of the laws and rules of Internet finance,and clarify the nature and legal rights of Internet finance by legislation; improve the regulation rules of internet,and clarify the business scope and regulated entity of internet financial enterprises.