Analysis Of Risk Management Strategies Of Internet Financial Platform

With the rapid development of Internet technology,Internet consumers' online consumption behavior has formed abundant data resources.Enterprises use these data to analyze consumers' needs and preferences,and on this basis to better expand financial services.These financial services mainly include payment services,credit,asset management,remittance and other traditional financial services.In the process of development,Internet platforms have undergone division of labor and specialization,and some of them have begun to focus on financial services,especially to provide a wide range of investment and financing services for customers.Online banking has created new channels for the traditional payment business to expand financial services,and constantly improve the efficiency of customer investment and financing.B2 B,B2C and other payment businesses have been continuously developed.Mortgage,financing,guarantees and other business introduce new methods and innovative e-commerce model,which has promoted the rapid transformation of financial services.The progress of Internet technology has improved the efficiency of financial transactions,thus reducing transaction time and transaction costs,and the field of financial services is wider,and the financial services market is more active.Internet financial platform develops rapidly,but lacks systematic risk management experience for reference.Compared with the traditional financial model,Internet finance itself has virtuality.Because of the corresponding technical requirements of supervision and related to transnational areas,there is no clear knowledge and standards for the actual risk control,and the actual operation is more complex,making the Internet financial platform has always been outside the regulatory system.Firstly,the relevant laws of Internet finance in China are still in the process of formulation,but there are many difficulties in formulating the laws and regulations of Internet finance.Secondly,the Internet financial platform also has the characteristics of openness,so its risk types are more complex and diverse than traditional finance.For its risk analysis and management,we need to constantly accumulate experience and tap the potential risk elements.Through detailed and in-depth analysis of the risk elements of Internet financial platform,this paper carries out a systematic study on the type and structure of risk from the perspective of qualitative and quantitative analysis.The risk types,risk causes and risk impacts are classified and summarized separately,and then the relevant risk assessment and detection work is done in advance,according to the risk size and impact degree,the corresponding risk solutions are formulated for different risk types.