Research On The Risk Causes And Control Strategies Of Internet Financial Platform

Internet finance has reformed people’s traditional financing channels and payment methods,made the financial transaction methods and processes simple and fast,and made great contributions to the social economy.Internet financial platform is the main carrier of Internet financial business.It has flourished after its birth,made up for the shortage of supply in the traditional lending industry,and alleviated the problem of difficult capital turnover of enterprises and individuals with tight capital demand.However,in the wave of rampant growth of Internet Financial platforms,there are many risk problems and are gradually exposed due to the lack of establishment of industrial technical standard system,imperfect national regulatory policies,and non-standard market mechanism.These risks not only threaten the survival of the platform and the capital safety of investors,but also have a negative impact on the ecological environment of the whole financial industry,and even affect social stability.Therefore,the risk control of Internet financial platform is of great significance not only to the platform itself,but also to the ecological environment of the financial industry and even social stability.The premise of this risk control is the accurate identification of the risk causes of the Internet financial platform.Based on the above background,this paper uses scientific methods to study the risk causes and control strategies of Internet Financial platforms.The main analysis logic is as follows:firstly,the reverse logic tree method is used to analyze the causes of many operation accidents on M platform,a representative Internet financial platform with complex production relations,high user integration and strong dynamics.At the same time,the expert consultation method is used to provide 12 experts in relevant fields with financial,management and technical data of M platform and conduct interviews,By sorting out the interview results,speculate and identify the hidden risk points of the platform.Secondly,based on the previous analysis,this paper summarizes and preliminarily identifies the risk causes of Internet Financial platforms.This paper summarizes 21 primary causes of risks in seven aspects:management,threshold,technology,products,cooperation,qualification and ethics.Then,based on the questionnaire data of Likert five-level scale,these factors are screened and weighted by factor analysis and analytic hierarchy process.After the factor analysis,the insignificant causes such as "weak legal awareness of employees","low quality of employees","improper training and education atmosphere","failure to connect with the national credit investigation system","too long or fixed product cycle" and "lack of insurance partners" are deleted.In the empowerment link,it is found that moral hazard and technical risk are the biggest risks of the Internet financial platform,The second is the cause of threshold and management,followed by qualification,product and cooperation.Finally,according to the research results of risk causes,this paper puts forward the risk control strategy of Internet financial platform from the aspects of certification,operation mode,technology,supervision strategy and so on.