Research On Risk Analysis And Supervision Of The Internet Finance

Internet financial institutions rely on their own fast,open and efficient and other advantages,so that the traditional financial organizations to change their business model,in recent years to develop very fast.However,in the Internet financial continued large-scale expansion of the same time continue to produce new opportunities and risks.Internet technology maturity is not enough,the domestic laws and regulations failed to form a system and the depth of supervision and other reasons,resulting in Internet finance to deal with relative to the traditional financial aspects of the more stringent challenges.Internet finance belongs to the recent development of the domestic things,and its associated risk prevention and monitoring is still in the stage to be developed,in accordance with the characteristics of the domestic Internet financial risks and categories,to explore the current financial risk management system deficiencies and loopholes,from the operational perspective To provide a close risk control strategy for the healthy development of Internet finance.In the case of financial supervision,it can provide effective advice to the supervisors' practical Internet financial supervision and risk avoidance.From the perspective of national macroeconomic policy,It may be suggested that the functional departments in the improvement of laws and regulations,improve the credit system,standardize the technical standards and other aspects of the work direction,to ensure that Internet finance can achieve healthy development in our country.In this paper,the application of literature analysis,AHP analysis and classification analysis,to guide the practice of theoretical research,the formation of this research framework:the first part of the main focus on the introduction to focus on the background of this study to study the purpose and research in theory and Practice the two levels of meaning to explain.And then directly cut into the research literature at home and abroad in this regard,summed up the content of the study framework,method means,and possible innovation and research deficiencies and so on the overall description;the second part is related to the study The author analyzes and defines the definition concept of internet finance,and compares the traditional finance with the Internet finance in order to analyze the influence of Internet finance on its composition.And then the future development of Internet finance to be analyzed,the final analysis of the rules of this chapter is mainly used for follow-up article risk assessment;the third part of the core of this study that identifies the risks of Internet finance,focusing on Internet finance The main risks that are implied,the characteristics of these risks,and the final recognition of the results;the fourth part is to identify the various types of risks to assess the assessment of the various types of Internet finance assessment to follow the principles of assessment that is scientific principles Based on the principles of relevance,comprehensiveness,independence,quantitative and qualitative principles,based on the previous theory to start building a risk assessment index system,followed by AHP analysis and fuzzy comprehensive evaluation of the Internet financial risk to conduct a comprehensive assessment,The first set of 15 sub-indicators to reveal the nature of risk in all directions,while summing up the assessment results;the fifth part of the summary of foreign regulatory supervision in the financial aspects of the mature experience,through the United States,the European Union,Japan,Singapore and other lessons and revelation summary,It is necessary to improve the domestic Internet financial supervision of the effective recommendations,that is,for the previous identification and assessment of the five major risks such as legal,technical,credit,currency and money laundering risk recommendations to ensure that this article before and after the echo,to enhance the universality of the study The Finally,the conclusion of the research is summarized and the future prospects are discussed.