Research On Internet Financial Risk And Financial Supervision

With the rapid development of information technology,the Internet has penetrated into all aspects of people's modern life.At the same time,varieties of products based on Internet have sprung up rapidly and have a great impact on people's lives.The emergence of Internet banking,breaking the geographical limitations and time constraints of traditional financial,so that the allocation of resources more quickly and easily,the transaction cost is cheaper,more dynamic trading activities.However,everything has two sides,Internet banking is convenient and fast,but it also has a lot of defects and deficiencies.The Internet itself has a high demand for technology,so that it has great technical risk.At the same time,the operation of the virtual environment makes it have a high technology risk,operational risk and credit risk.In addition,Internet banking is a new product,andthe domestic laws and regulations are not sound,making Internet banking and have a higher legal risk.These financial risks are very harmful and difficult to control.If lack of effective supervision of Internet banking,it will affect the steady operation of the entire financial system.So what is the Internet banking risk?How to monitor and manage these risks?It is clear that the Internet financial risk has become a major constraint on the development of Internet banking,and it is essential to establish an effective financial regulatory mechanism.This article is divided into five parts,the main contents of each part are:The first chapter.Introduction.This part introduces this thesis' research background.At the same time,the domestic and foreign related academic research were analysis,which to find out the lacks of researches.The second chapter.The theoretical basis of Internet banking.The common three kinds of Internet banking business model(third party payment,P2P network lending,all to raise financing mode)are introduced in detail in this part.At the same time,this part introduces the relationship between Internet banking and traditional banking,also the influence of Internet Banking to traditional financial.The third chapter.The risk analysis of Internet banking.This part firstly introduces Internet financial risks,mainly including technical risks,legal risks,information security risks and money laundering risk four categories.Secondly,the Internet financial risks of the four characteristics are described.Finally,the risk of three different internet financial business models were analyzed,mainly including the risk of third party payment,P2P network lending risk and the risk of public financing model.The fourth chapter.the evolution of China's Internet financial regulatory policy.This part analyzes and sums up the evolution and development of China's Internet financial regulatory policy.On the other hand,this part also analyzes the regulatory status of three kinds of Internet financial model(the third party payment,P2P lending,financing mode).The fifth chapter.International experience of Internet financial supervision.The United States and the United Kingdom two relatively mature internet financial supervision system are introduced,which to find out the successful experience of the supervision and regulatory method,so that to the construction of the Internet financial supervision system in our country.The sixth chapter,the countermeasures to improve the financial supervision of Internet in china.According to the situation mentioned above,this part puts forward the basic principles of Internet financial supervision.At the same time,put forward specific ideas and countermeasures to improve the Internet financial regulatory system.