Research On Internet Financial Risk And Supervision System

In recent years, with the development of Internet technology and the popularity of mobile Internet, Internet finance, which is a new form of financial service, has developed rapidly, greatly affecting and changing the traditional financial industry. Internet finance depends on internet to pay fund, make an accommodation and provide information intermediary services. It improves the efficiency of financial intermediation, and promotes inclusive financial process. Internet finance has become a useful supplement to the existing financial system.However, the rapid development of Internet finance brings the risk problem, because there is no perfect Internet financial laws and regulations, and the risk prevention and supervision system has not been established to adapt to the characteristics of Internet finance. The growth of Internet finance industry is in the savage state and various risk problems become more and more prominent. Strengthening risk prevention and supervision has become a real need to promote the sustained and healthy development of Internet finance and to maintain financial system security and stability. Therefore, it is necessary to research on the Internet financial risk and supervision system.This paper comprehensively and deeply analyzes the concept, main types, characteristics and causes of Internet financial risk.It considers that the current Internet financial risks mainly include market risk, credit risk, liquidity risk, operational risk, technical risk and legal compliance risks. This paper describes the current situation of domestic Internet financial supervision.Then it analyzes the existing problems of the existing regulatory system, and believes that the current regulatory system has lagged behind the development of Internet finance. Then it introduces the advanced experience of foreign Internet financial supervision. Finally, it clarifies the concept, principles, objectives and main tasks of Internet financial supervision and put forward the solution to the risks of Internet finance, including the supervision model of breakthrough and supervision system innovation. And taking the P2P net loan platform as an example, the credit risk assessment of Internet finance has been carried out as an empirical study.