Research On Internet Financial Risk Assessment And Prevention

Internet finance is a combination of finance and network information technology.It is a new financial format formed in the Internet age.It can provide customers with a variety of financial services to meet their diversified needs.For large-scale services,users have a large scale,which makes huge data generated when using Internet finance,thus entering the era of big data.Internet finance collects and sorts out various types of data and information that appear on social platforms.After analyzing customer credit,it provides customers with loans,credit consumption and other services electronically to help customers solve problems encountered in reality and satisfy their needs.Financial needs.The Internet has a virtual character,and users can play multiple roles in the network,which poses a threat and test to the security of Internet finance,and is likely to cause various risks,such as business risks and business risks.Analyze and discuss all kinds of risks that appear in the Internet financial business,and point out the loopholes and defects in the Internet risk management system through analysis.From the operational level,it can provide effective guidance and help for Internet financial companies to carry out risk management;As far as the supervision level is concerned,it can provide an effective reference for the supervision and management department to make risk management decisions.This research topic analyzes and discusses Internet finance as the research object.When evaluating all kinds of risks in Internet finance,follow the principles of comprehensiveness and scientificity,combined with the reality of Internet finance,select some scientific and reasonable indicators to build a risk evaluation system,and finally use AHP and fuzzy comprehensive evaluation research Methods Comprehensive and specific evaluation of various risks.According to the Internet financial legal and policy risks,Internet business risks,and business risks identified in this article,different levels are classified,and a level analysis is carried out.Empirical research shows that the current risk of Internet finance in China is at a high level,and many factors that affect Internet financial risks Among them,legal and policy risks are the greatest.This article uses three first-level indicators to conduct analysis,thus constructing a risk assessment system that matches with Internet finance,and makes subsequent Internet financial risk management strategies more targeted and effective.