The Research Of The Conduction Of Financial Credit Risk In Internet

Since 2013,Internet finance has developed rapidly in China,along with the high-speed development of the Internet payment,the peer-to-peer lending,the equity crowd funding,the Internet fund,the Internet insurance,the Internet trust and the Internet consumer finance,it had a strong impact on the traditional financial industry,and various risks,especially the credit risk,have become a hot issue of widespread concern.It is high time to identify,analyze and control credit risk.In this thesis,the risk management theory,the risk conduction theory,the system theory,the control theory and the stakeholder theory are used,and the comprehensive induction method,the logical reasoning method,the comparative analysis method,the data analysis method and other basic methods are applied to systematically study the Internet financial credit risk conduction.This thesis takes the Internet financial credit risk as the research object,and regards the conduction and control of the Internet financial credit risk as the main line.Based on the mechanism of risk conduction,the thesis summarizes the existing patterns and characteristics of Internet finance,defines the Internet financial credit risk,analyzes the basic features of the Internet financial credit risk and then reveals the risk source,the risk vector and the risk conduction path of Internet financial credit risk.By studying the effect of Internet financial credit risk conduction,revealing the causes of the various effects of Internet financial credit risk,and this thesis puts forward the management measures of Internet financial risk.The main innovations of this thesis are:(1)Summarizes the seven models of Internet finance,namely,the Internet payment,the peer-to-peer lending,the equity crowd funding,the Internet fund,the Internet insurance,the Internet trust and the Internet consumer finance.(2)Defines the concept of Internet financial credit risk and Internet financial credit risk conduction.(3)Constructs the theoretical pattern and framework of the Internet financial credit risk conduction,studies the formation of the risk sources,the performance of the risk carrier,the path and the process and the effect of the risk conduction,and the causes of the risk.(4)Puts forward the management countermeasures of the Internet financial credit risk according to the effect and the reasons of the formation,the change and the conduction of the Internet financial credit risk,this thesis.