An Analysis Of The Government 's Supervision In Internet Financial Risk

The current rapid development of network technology enables the rapid rise of Internet banking. Among Ma’s Alibaba finance, represented the rapid growth of Internet banking in order to "balance treasure" as the representative of the Internet business of financial innovation profound change our spending habits, lifestyle and even the pattern of economic development, so more and more more consumers begin to participate in the Internet banking to feel the convenience of Internet banking, finance and many other low-cost advantage. Consumer spending patterns began to change, Internet technology is constantly evolving, thus resulting in the generation of Internet banking. Relying on Internet financial advantages of IT technology, mobile payment and it is the product of a combination of cloud height, significant cost advantage, transaction costs almost no money, and other advantages of rapid transmission of information in line with modern life makes its rapid development. Internet banking in the most rapid period of development, which, with Paypal represented current treasure, cash treasure, treasure and other benefits online banking products quickly released, entered the rapid development of Internet banking era. Bao set off by the balance of the climax of Alibaba, making Internet banking into flashpoint. Recently, the China Fund and the micro-channel to launch a micro-finance the financial products, Tencent’s third-party online payment platform "money paid through third parties, such as the launch platform dongfangcaifuwang current treasure, treasure regularly, it can be seen, many of the current financial institutions began to seek cooperation with the Internet platform, which is a very reasonable result of market demand and financial innovation. Internet financial meteoric rise, its rapid development to the advantages and benefits to consumers, but also with a lot of risk. for Internet financial development, the government how to balance innovation and risk, the regulatory role of government in the financial risk in how the Internet is the focus of this study.This paper can be divided into five parts. In the first,author have a introduction, of background and significance about Internet banking, as well as possible innovations and research methods in this paper. The second part is the second chapter. Mainly discussed the current situation and development trend of the Internet finance. The third part is the third chapter, discusses the types of Internet financial risk. The fourth part is the fourth chapter, mainly government regulation of financial risks for the Internet as well as regulatory principles. The fifth part is the fifth chapter of this paper, mainly government financial regulatory measures for the Internet, the last part is the conclusion of this article.