Research On The Risk Of China Mobile Internet Finance

With the people’s Daily has fragmented time more and more, the Internet financial model can no longer meet the needs of the people, which gave birth to the mobile internet financial model. In recent years, many mobile Internet businesses in mobile payment basis, the mobile Internet and effective financial services combined, create new financial products such as a large number of mobile money funds, securities, insurance, mobile mobile mobile banking, resulting in financial markets have a prosperous scene, known as financial revolution. The pace of the convergence of China’s mobile Internet and the financial industry more and more quickly, has become the industry chain parties keen attention and main direction of entrepreneurship, is expected in the future will usher in blowout type development.Mobile Internet finance is based on mobile Internet technology as a new mode of financial support, so it has a unique advantage different from the traditional financial model. For example, a simple and convenient operation, without the limitation of time and place, the direct allocation of resources to improve the utilization rate, low cost and even zero cost, real-time gain experience. But the most worthy of praise should be, it is a kind of democratic finance mode, it expands the financial participation group, makes the financial service is no longer so too high to be reached, the enormous economic benefits of its manufacturing will be more benefit to the common people, rather than the traditional financial mode only by a small number of professional elite to manipulate and enjoy.Although the mobile internet financial momentum of development in recent years and the pace of innovation is very strong, but the risk problems are increasingly prominent, in addition to the known credit risk, market risk, liquidity risk, also faces a lot of uncertainty risk, such as network security risk, the risk of technology innovation and so on, these are likely to cause serious economic the consequences. China’s government departments overall development of the mobile Internet finance is used relatively tolerant attitude, but when encountered more advanced innovation move, in order to prevent the impact of uncertainty, the government always take the prohibition of management measures. This encounter innovation stopped control measures will not solve the problem from the source, instead of limiting the development of mobile Internet finance, this has led to find a new way out of our financial in mobile Internet innovation and risk control.This article conducts the research to the risk of objective, is to find the balance point, in the innovation and management of whenever, we should maintain a positive attitude towards innovation and development. In this paper, basic research results support and related theory in domestic and abroad, on China’s mobile Internet development and financial risk are analyzed, through the big data technology and AHP analytic hierarchy process to establish the risk evaluation mechanism, and to our country mobile Internet risk status (including definite risk and uncertainty of risk identification and evaluation) at the same time, proposed the corresponding management measures according to different risk categories in different degree, and the development direction of the mobile internet financial future is prospected.