| In twenty-first Century, clusters of scientific and technological innovation has a profound impact on financial development, the Internet as one of the technical means to start and financial capital integration and financial operating mode and business scope has a fundamental impact. In this trend, internet financial leasing platform came into being. internet financial leasing platform through cooperation with financial leasing companies to obtain high-quality investment projects, for individual investment funds to find a suitable capital exports. Small and medium enterprises with internet financial leasing platform to solve the funding gap, while the interactive adaptation of the network information, increase the liquidity of their assets. Although internet financial leasing platform for broaden the financing channels for private individual investors, but it has brought a lot of negative lessons and unstable factors for the financial market. From the beginning of 2015, there have been many internet financial leasing platform off and running events in our country. many of the risk factors about internet financial leasing platform began to attract wide attention of market investors and scholars.So far, internet financial leasing the lending model in China’s development is still less than three years, since China market began to rise network lending platform in 2013. So, academic research results are quite scarce. At present, the relevant literature can be collected mainly in the form of the case of the operation, the profit model. For internet financial leasing platform related risk research, the existing literature is to study the credit risk platform or a specific risk analysis and prevention. Be short of systematic and comprehensive risk identification and control in the whole business chain system of internet financial leasing platform.This paper, based on the general risk of internet financial leasing platform, analyses the operation mode of the company and the relationship between the company and the related parties. Analysis found that PCCB has not only included credit risk, market risk, technical risk and legal risk, but also exists very big credit risk and legal risk because of the same controller with financial leasing companies and asset management companies. To guard against the high risk of Internet financing lease, it is requisite both to optimize the construction of the control system and the relevant regulatory authorities to introduce a complete set of relevant laws and regulations. In this paper, based on the case study of China’s internet financial leasing platform, this paper puts forward the improvement measures and policy recommendations for the next step to optimize and adjust the risk prevention.Based on reference in recent years, this paper firstly introduces the research background and research results related to Internet banking, internet financial leasing platform. Secondly, it introduces the internet financial leasing concept, the mode of operation, then analyzes the risks faced by the industry as a whole, including credit risk, flow risk, market risk, technical risk and legal risk. Once again, to PCCB as an example, analyzes the problems existing in the company’s business chain and risk management, mainly including the funds not been managed by bank, special related party relationships to expand the overall risk of the platform and legal risk caused by self-financing. On the basis of risk analysis, it purposes the improvement measures for the risk management of the enterprises in China. Finally, put forward a set of policy recommendations or proposal in view of China’s internet financial leasing industry, consist of perfecting legal system, strengthening supervision and cultivating of investors’ risk awareness. including the risk of policy recommendations. |
