Internet Financial Enterprise Financial Risk Early Warning Case Study

The rapid development of the Internet has caused a great impact on the modern financial industry.The in-depth cooperation between the two has produced Internet finance.Among them,the performance of P2 P network lending is the most prominent,showing an explosive growth trend.As a financial innovation model in the network age,Internet finance is like a double-edged sword.On the one hand,it improves the speed of financial financing and financial efficiency;on the other hand,Internet finance has both financial attributes and the virtual nature of the Internet.The combination of the two poses a threat to the stability of the traditional financial system and brings more complex risks,especially financial risks.Therefore,identifying and warning the financial risks of Internet finance is an urgent problem,which is the research background of this article.This paper selects the P2 P online lending platform,which has developed rapidly and has many problems in China's Internet finance,as the research object,and uses comparative analysis,literature research,and case study methods.First,I studied the literature related to P2 P online lending platforms at home and abroad;second,I analyzed the main operating models,financial early warning models,and financial risks of P2 P online lending platforms;and,based on the financial risks,According to the principle of index selection,the financial risk early-warning index was selected,and construct the financial risk early-warning system of the P2 P online lending platform.Finally,the case study was selected as a case study of Paipaidai,Yirendai and Hongling Venture Capital to verify this article The effectiveness of the constructed financial risk early-warning model,and countermeasures and suggestions are provided to effectively prevent financial risks.According to the above research,it is found that the financial risks of P2 P online lending platforms are mainly manifested in operational risks,technical risks,operational risks,and legal risks.Among them,operational risks are more prominent and have a greater impact on financial risks.The expert-driven risk early warning model based on the AHP-fuzzy comprehensive evaluation method has a high early warning accuracy rate,and can effectively predict the financial risks faced by the P2 P platform.How to effectively identify and prevent the financial risks faced by the platform,this article puts forward suggestions from the following three perspectives: first,improve the financial risk management system;second,identify target customers;third,regulate industry supervision.This will promote the development of the online lending industry and increase the impetus for the development of China's financial industry.