Z Internet Financial Platform Risk Management Research

Since the setting up of the first internet financial platform in 2007,the number of internet financial platform is increasing rapidly.With the continuous innovation on business modes,service concepts,product forms and so on,internet financial platform adds some fresh elements for marketization and inclusiveness of financial industry and shows tremendously potential development ability.As the emerging business mode,internet financial platform with internet agglomeration effect became importance financing channel for public investment and small and medium-sized enterprise(SME),and made great contribution to get rid of financing difficulties for SMEs in China.At the same time,the rapid growth and significant management features of internet financial will transmit traditional financial institutions to speed up the reform to make it more adaptable for the future development.Simultaneously,the rapid development of internet financial took us a lot of problems,such as the bankruptcy of internet platform and running away with money appeared in the past and some even taking illegal financing activities,all of these brought great negative influences to economic and social growth.There are many problems worth studying,especially how to improve the risk management of the internet financial platform and provide a perfect information platform for investors to promote the healthy development of the society and economy.With internet financial platform Z as an example,this paper discusses the problems about risk management and finds the specific reasons through systematic analysis.Given on the basis,it designs the way to promote risk management level and builds effective external security system for platform Z.The structure of the paper is as follows:The first part,introduction.It introduces the background and significance of this paper,determines the research goal and the basic ideas and carries on the literature review by deeply research on achievements of this field.The second part,theoretical basis on internet financial.It defines clearly about the concept and theories on internet platform and financial risk management to provide a theoretical basis for study.The third part,the present situations and existing problems of the internet financial platformZ.taking platform Z as an example,it analyzes present situations and grasps the characteristics of risk management of platform Z,and then summarizes financial risk management problems in platform Z.The fourth part,the causes of those problems.The fifth part,the specific design to promote risk management level in platform Z to build an effective operation of external security system.