Research On Risk Prevention And Control Of Internet Financial Products

Internet financial wealth management products are a new type of financial management that relies on the Internet platform to realize universal financial management.It naturally takes the dual attributes of the Internet and finance,and determines the risk situation it faces more complicated.Therefore,how to effectively identify and prevent Internet finance The risk of wealth management products has become a problem that is widely considered and explored in the industry.This paper takes the risk prevention and control of Internet financial wealth management products as the research topic.Firstly,it sorts out the research literatures of Internet financial wealth management products at home and abroad,and finds that the current domestic and foreign literatures mainly focus on the risk research of Internet finance,but on the Internet.The risk research of financial wealth management products is still scarce.Secondly,this paper analyzes the development status and existing problems of Internet financial wealth management products by using four categories: balance treasure wealth management products,P2 P wealth management products,bank securities wealth management products and insurance fund wealth management products,And using the five theories of financial system instability theory,asymmetric information theory,financial asset price fluctuation theory,financial risk contagion theory and comprehensive risk management theory,the risk identification of the above four categories of wealth management products,Successfully identified the five major risks in current Internet financial wealth management products: Internet financial technology risks,Internet wealth management product risks,Internet platform risks,Internet financial environment risks,and Internet financial policy and regulatory risks.Finally,these five major risks are taken as the first-level indicators,and under the five major risks,17 major secondary indicators are subdivided,and then the fuzzy hierarchical comprehensive analysis method is used to construct the risk early warning index system and risk assessment model for Internet financial wealth management products.According to this model,the membership score of the above risk indicators is obtained to judge the priority and weight of the risks.Among the results calculated by the model,we find that the current risk prevention and control needs to be the technical risks and policies and regulations in Internet financial wealth management products,so in order to ensure the healthy and sustainable development of Internet financial wealth management products institutions and safeguard financial Based on the above research results,this paper focuses on technical control and laws and regulations,and also proposes corresponding risk prevention and control recommendations and prevention and control measures from various aspects such as products,platforms and external environment.