Internet Financial Risk Identification & Research Based On Z-score Model

With the rapid development of information technology and wide popularity of the internet,the internet finance has been a necessary way of payment and investment gradually,it is more and more important in our life.While the internet finance model is growing rapidly,there is a lot of risk in the internet finance.Therefore,how to identify the risk of the internet finance effectively and take some measures beforehand is very necessary and significant to the internet financial enterprises.Based on systematic analysis of the present research from domestic and abroad,this thesis takes the internet finance as research object and introduces the theory and method of risk identification,reveals the Z-score model and identifies the risk in a practical case according to the financial data of a certain internet financial enterprise,obtains the result of risk identification finally.The researches of this thesis are as follows:The first,this thesis generalizes the relative content of the internet finance,study various formats of internet financial,classify the commercial activities of the internet financial into six categories such as networking of traditional financial,the internet lending,the third party payment,internet financial portal and big financial data,and then summarize the current development of the internet financial at home and abroad.The second,this thesis generally introduces the internet financial risk and its characteristics,classify the internet financial risk,respectively,of the internet financial general risk and special risk,detailed describe the basic concept,basic content and basic method of the internet financial risk identification.The third,this thesis proposes the strategy and the suggestion of the internet financial risk control from two dimensions of internet and finance and five different aspects according to the internet financial general risk and special risk.At last,this thesis performs a case analysis of risk identification about the EM enterprise based on the Z-score model.This part briefly introduce the Z-score model and its applicability,achieve risk identification about the EM enterprise by the Z-score model,and finally put forward some suggestions of risk control to the EM enterprise.The results of this thesis could enrich internet financial risk management system and provide a novel method for risk identification and control of internet financial enterprise.Besides,it also provides certain significance for the further consummation of the model about internet financial risk identification.