Research On Financial Risk Management And Countermeasures Of Internet

With the rapid development of information technology and financial innovation, Internet financial mode is gradually rising, and in China, the financial field of higher and greater weight.Internet financial in the development of the same time, but also to face the risk of the problem, the Internet banking risk management has an urgent need to focus on. Internet banking is the combination of Internet and finance, the risk of Internet banking in addition to the risk of the traditional financial risks, there is a unique risk of Internet banking. Such as Internet Banking Based on the Internet, Internet banking business often does not fully identified the authenticity of the user identity, such enterprise risk control is a big challenge, enterprise must in the authentication invested a lot of energy. Internet banking risk management is divided into three aspects:risk identification, risk assessment, risk control, these three aspects of the joint support of the Internet financial risk management.The development of Internet financial for reform and optimization of the financial system and support economic development entities, convenient consumer behavior have positive significance, for the sustainable development of the financial industry, the Internet, research of Internet banking risk management is imperative under the situation. Firstly, the paper introduces the basic concept and developing situation of Internet finance, have a basic understanding of the novelty of the Internet banking. Subsequently from risk identification, risk assessment and risk management in order to analysis the content of Internet banking risk management, according to the particularity of the Internet financial risk in the risk identification, risk assessment and risk management process in practice have a thorough introduction. Then take the Internet as an example of the financial enterprise Alipay, for example, the Internet of financial risk management three specific elements. Finally, the risk of Internet banking is given the suggestion of risk prevention.. Hope that through the narration, makes China’s Internet banking industry pay attention to the risk existing in the industry, in the daily operation of the good risk management, as far as possible to avoid the loss caused by risk. As a result, the health of the entire industry sustainable development.