A Research On Financial Dafault Risk Of Internet

A combination of Internet and finance makes the financial access channels and sales channels expand at the same time,with the support of big data and cloud computing,the degree of information asymmetry between capital supply and demand can be effectively alleviated,both the supply and demand of funds can be matched with higher efficiency.This brings Pareto improvement effect in.Internet banking will not replace the banks with the andvance advantage and regulation advantage,but it can activate the financial market,and promote the financial market competition,and also can be a useful complement to the banking system.With a long time,banking system will serve the large and medium-sized enterprises and high-end net customers,and at the same time,the Internet finance will serve the small and micro enterprises and ordinanry people.P2P platform is an important part of Internet banking,this kind of platform can best embody the essence of finance,that is,the allocation of funds.According to the family's net loan statistics,the year of 2013 has 12 P2 P platforms that collapse or run away,in 2014,155 platforms collapse or run away,in 2015 911 platforms collapse or run away,in 2016,1668 platforms collapse or run away,and default funds amounted to 300 billion yuan,platform operation has some serious problems,the default problem is the most serious question.How to reduce the risk of default? This is the focus of this paper.Finance is the essence of Internet banking,so the risk management measures of the traditional financial institutions in terms of Internet can be a helpful reference.But because of the rich nature of the traditional financial services,its significance is limited.on the other hand,because the development of Internet finance is limited,the measures which are provided by the schoolars should be promoted continuously.this paper chooses the method of case study,through researching on the most successful platform,revealing the risk management method,in order to provide a valuable risk management approach to other Internet financial platforms.Treasure platform is the Internet business and financial integration model for peer-to-peer lending,there are many places which are worth learning as a kind of P2 P platforms in the treatment of default risk,reflecting in the full play to the comparative advantages of different institutions,professional positioning platform;to take full advantage of the borrower's behavior data mining for large data cloud computing technology,cooperate with other platforms to effectively deal with the borrowers.However,there are still some problems in the platform,and it is of great practical significance to make an in-depth study on the advantage of information superiority.The problem in the platform can provide some helpful suggestions,too.Then this paper compares the platform with the other three typical platforms in the risk management,namely Yixin platform,Lufax platform and Paipaidai platform.Through the comparation,the paper acquires some useful suggestions for the management of the whole Internet platforms.