Research On Risk Control Of Internet Consumer Finance In China

Nowadays,with the advancement of the trend of anti-globalization,the western countries headed by the United States restrict China's merchandise exports,the scale of China's net exports has been severely compressed,and the investment intensity has gradually weakened.The consumption in the troika driving economic growth has gradually shown its strength Advantage.At the same time,the Internet consumer finance,which is based on the Internet,is booming,and it is growing as a strong promoter of economic development.However,China 's Internet consumer finance started late,there is a lack of supporting legal supervision measures at the national level,and there is a lack of corresponding management experience in various fields among enterprises.These two issues have led to the continuous emergence of financial risks in the field of Internet consumer finance,which has caused great difficulties to the healthy development of Internet consumer finance.In addition,the existing literature on the theoretical research of Internet consumer finance tends to be macroscopic,lacking micro-and micro-research,and the entire theoretical framework is not complete.Therefore,the research on risk control of Internet consumer finance can guarantee the stable operation of China's economy on the one hand,On the other hand,it can fill the deficiencies of Internet consumer finance research at the meso-micro level,and provide theoretical guidance for the development of the industry.This article takes Mashang Consumer Finance Co.,Ltd as a case study object,analyzes the risk problems faced by the company as a whole and formulates the risk control countermeasures,and draws the risk control enlightenment based on the company's risk analysis.First of all,this article takes the literature analysis method as the starting point,summarizes and analyzes the Internet consumer finance related literature,and finds that the existing literature focuses on the macro perspective of the research on risk issues,but lacks the meso-micro part.Secondly,using financial innovation theory,financial supervision theory,financial vulnerability theory,and information asymmetry theory as theoretical foundations,establish the connection between Internet consumer finance and theory,and propose the risk categories of Internet consumer finance to explain the causes of risks.Third,the case analysis method is used to analyze the risk problems and risk control strategies faced by Mashang Consumer Finance Co.,Ltd,supplemented by comparative analysis and statistical analysis methods.Finally,through the analysis of the Mashang Consumer Finance Co.,Ltd the risk control enlightenment is drawn,which provides a risk control plan for the industry development from the perspective of the enterprise.Through the research on the risks of Internet consumer finance,this paper addresses the risk causes of Internet consumer finance at the micro-and micro-levels,and fills the gaps in the existing literature on this research.From the perspective of the industry and enterprises,he obtained the inspiration of Internet consumer finance risk control and enriched the risk control schemes.