Application Of Internet Of Things And Smart Contract Mortgage System In Enterprise Financial Risk Control And Information Disclosure

Today,with the rapid development of information technology,many enterprises gain greater market space and development potential by conducting Internet-related businesses.Internet thinking and information technology have been widely used in business management,and many new industries have emerged as the times require.Traditional risk control and information disclosure methods have been difficult to adapt to the needs of these enterprises,and the P2 P online loan industry is a typical example of this.In order to propose effective solutions to this problem,cross-domain research combined with information technology has great potential.Therefore,my research takes the P2 P online loan industry as the research background,and takes Fin Volution Group as the case study object to explain the risk control and information disclosure status of Fin Volution Group.Then analyzes the content and cause of its financial risk control and information disclosure.It is believed that the unique credit model,operating characteristics and characteristics of Internet companies of Fin Volution Group led to weak risk control and information disclosure.In this regard,this research proposes a solution direction,and believe that combining smart contract theory and Internet of Things technology can effectively improve the risk control and information disclosure level of Fin Volution Group.I conceived the prototype of Io T-smart contract mortgage system based on these two technologies.After elaborating the technical principles of the system,my paper designed the work flow of the system in a more complete manner,and analyzed the various conditions required for the system to operate.Finally,based on the technical characteristics of the Io T-smart contract mortgage system,the paper concludes that the system has a strong role in improving the risk control and information disclosure of the auction loan.It also objectively puts forward the existing problems of the system and gives directions for further research in the future.