| Internet financial is traditional financial institutions and enterprises using the Internet to the Internet and information communication technology to realize financing, payment,investment, and a new financial business model of information intermediary services, from 1998 the first Internet financial, the establishment of the third-party payment company PAYPAL, widely used in the beginning of the Internet financial technology, financial development of the Internet in China in recent years rapid, reflect patterns such as: the raise,P2P lending, third-party payment, digital currency, financial data, the Internet, such as the financial gateway, all reveal the Internet financial development under the new era has become a new force. But in recent years,the Internet financial disorder,there is good and bad are intermingled, industry development present situation, all kinds of negative about the Internet financial reports emerge in endlessly, such as "if you are the credit" in order to maintain liquidity, continuously by the high yields to attract new investors, the Revelations sparking a run; The credit network operational risk because of the lacking of experience in the management team has resulted in less than a month trial run quick bankruptcy, etc., all reveal the Internet financial management backward situation. At the same time, the industry of withdrawal, with case appeared, closures and a series of risk management failure events,once caught the public's trust in the financial industry, the Internet crisis. As a result, small and medium-sized Internet financial institutions urgently need to improve the internal control standards, improve the management level and the ability to manage risk.Based on Internet financial institutions internal control as a major role in the study, literature study method combing the basis for the related theory of internal control, at the same time,using the empirical research method for the selected object's internal control present situation has carried on the questionnaire survey, based on the survey data analysis of research conclusion: small and medium sized Internet financial institutions internal control current performance is still not perfect, has yet to be further improved. On the basis of the small and medium-sized financial institutions in the internal control system is not perfect Internet place improvement measures are proposed: to strengthen the construction of institutions internal control culture, create a compliance cultural atmosphere; Strengthen the training of professionals and teams and provide the basis of human resources for internal control; Strengthening information and communication to improve the effectiveness of information disclosure; Strengthening network and information security and improving operational risk response; To strengthen the supervisory role of the administrative level on internal control and strengthen the daily performance of the audit committee; We will further improve the internal control structure of small and medium-sized Internet financial institutions and improve the internal environment; Improve the risk assessment mechanism in internal control. It also recommends external supervision and market restraint Suggestions:further improving external supervision of internal control system; Continuously improve the construction of external supervisory departments; Continuous improvement of external regulatory processes and procedures; We will strengthen self-discipline in the Internet finance industry.This paper study on the current situation of small and medium-sized financial institutions to Internet management internal control research, through the collection of small and medium-sized financial institutions internal control Internet management status of real data,the analysis of research conclusion, aimed at improving the current internal control system,improve the agency's ability to control the risk and management level,make the orderly,healthy and long-term development of the Internet financial institutions. |
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