Research On Risk Assessment And Countermeasure Of Internet Consumption Finance In E-commerce System

In recent years,with the development of Internet consumer finance,more and more Internet consumer financial services have been integrated into people's lives.People can experience the benefits of this service from food,clothing,housing and transportation.Internet consumer finance as a product of financial innovation,on the one hand,it provides consumer capital support for people who use the service and products,and improves the consumption capacity of the majority of residents.On the other hand,it forces the traditional financial industry to carry out reforms,and improves the technical level and service efficiency of the industry.At present,there are many Internet consumer finance enterprises in the market,and their development modes are different.Generally speaking,the current Internet consumer finance can be divided into four development modes.That is: e-commerce system,Internet consumer finance,stage-by-stage platform,P2 P platform and traditional consumer financial institutions.Although the emergence of Internet consumer finance has brought many conveniences to consumers,but it is currently in the growth stage of the industry,so there are still many problems in the development of Internet consumer finance.This paper chooses the Internet consumer finance of e-commerce system as the research object,and through the analysis of specific cases,studies the risks faced by the service providers under the current model: credit risk,network security risk,liquidity risk,operational risk and regulatory risk.Then,the risk is divided into target level,criterion level and index level by using the fuzzy analytic hierarchy process.After evaluating these risks,it is concluded that credit risk and supervision risk are the greatest risks faced by Ant Golden Wear Internet consumer finance.Then,by analyzing the current situation of wind control of Ant Golden Clothes,this paper concludes that there are still some problems in risk control of Internet consumer finance of Ant Golden Clothes,such as insufficient acquisition and authenticity of wind control data,and the need for further improvement of wind control model.Finally,according to the deficiencies of current risk response and the results of risk assessment,this paper gives different countermeasures from the level of Ant Golden Wear Internet Consumer Finance Company and the level of government.It is suggested that enterprises should use Internet technology and big data to build a multi-dimensional credit evaluation system,broaden the financing channels of enterprises,and speed up the innovation of industry technology.At the same time,at the government level,government departments should also play a leading role,establish a platform and mechanism for information sharing,further improve the legislation and guidance documents in the field of Internet consumer finance,and strengthen the self-discipline of the Internet consumer finance industry in e-commerce system,so as to promote the development and innovation of the whole industry.