| With the development of socialist economy with Chinese characteristics and the sustainable development of social productive forces,the people’s living standards have been greatly improved and have entered a well-off society.People’s traditional concept of "living within their means" has changed significantly,and consumption patterns have continued to diversify.Consumers are increasingly aware of high consumption and credit consumption patterns.In today’s era,the Internet affects all aspects of society,and consumer finance is also developing rapidly.At the same time,there are always problems such as limited capital channels,high financial risk and high credit risk.The weak supervision of these risk issues will inevitably affect the stability and development of Internet consumer finance,and then affect the stability and development of the whole economy.Therefore,in order to ensure the healthy and stable development of Internet consumer financial risk,this paper studies the Internet consumer financial risk monitoring index system and regulatory measures from the perspective of supervision.This paper mainly focuses on the government’s risk supervision of Internet consumer finance,and analyzes the possible risk points based on the development status of Internet consumer finance.The use of research and analytic hierarchy process involves an effective regulatory index system,carries out effect analysis,puts forward relevant countermeasures and suggestions,and draws the conclusion of this paper.The specific research of this paper is divided into five parts.The first part(Chapter 1 and Chapter 2)mainly puts forward the research background and main problems through references and theoretical analysis.The second part(Chapter 3)mainly analyzes the current situation of government supervision of Internet consumer financial risks and specific regulatory indicators.The third part(Chapter 4),mainly combined with the actual development of Internet consumer finance,establishes a regulatory index system on the basis of previous theoretical research.The fourth part(Chapter 5),based on the evaluation indicators of government regulation of Internet consumer financial risk in Chapter 4,will use the method of expert scoring to make an empirical analysis and evaluate the current situation of government regulation of Internet consumer financial risk in China.Finally,it will form conclusions and views and sort out the effects and deficiencies of government regulation of Internet consumer financial risk in China,Then it puts forward the reference countermeasures to optimize the government’s supervision of the Internet consumer finance industry.The fifth part(Chapter 6)gives the government countermeasures and suggestions on the ability of Internet consumer financial risk supervision through the index analysis in Chapter 5.This paper improves the government’s supervision level of Internet consumer finance through the research on the government supervision index system and Internet consumer finance risk supervision measures,so as to promote the vigorous development of Internet consumer finance. |
