Research On The Risk Of Internet Financial Products Based On Electric Business Platform

In recent years, with the emergence of mobile Internet technology, smart mobile terminals Rapidly growing in our country, under this trend, the Internet industry has begun to enter the finance which has a natural network properties, and gradually form a new Internet financial model. In this mode, it can not only achieve a certain efficiency of resource allocation and significantly reduce transaction costs, but also make p-articipants more widely and lead to a huge social utility. as the rep-resentative of Internet Wealth Management, Yu’ ebao has the most extensive influence, because it is convenient, high income and T+0mode is easier to cash. However, as a new Internet financial productor, they are still financial products essentially, so financial risk is inherent part of them. Most of existing regulatory system of financial risk can’ t adapt to In-ternet financial development, and at this stage, the majority of Users follow the products is based on trust of e-commerce platform or third-party payment institutions, they know little about their risk. Therefore, this paper from an investor’s perspective, through the analysis of internal influences such as its own business processes and external factors such as the market, using a method that combine qualitative and quantitative to study the causes of various risks affect their investment income, it has a certain theoretical and practical significance to promote the healthy development of Internet Wealth Management.The main contents of this paper:First, to form a basic idea, the research framework and methods were anchored; then elaborated the domestic and foreign related financial risk theories, and introduce the classif-ication about sources of risk and techniques about risk assessment; then research and analysis the risk status and problems of Internet Wealth Management, focusing on the current situation of the industry and regul-atory to analyzes the risk situation, then according to the theory of the classification about sources of risk and a representative Product,con-cluded that there are three causes of internal risks and seven external risks, which can affect investment income. Then we measure the risk based on VaR risk assessment theory:Concluded that the risk of them is still in a controllable level, but the benefits are unstable, and technical risk factors still exist. Finally, according to the results of the risk analysis, we put forward specific response measures from three perspective:the government, business and market, to deal with the various types of risk.The innovation of this paper is that complete research from the specific to the general through risk management theoryn VaR methods and case an-alysis. In addition, offer an insight into the major risk factors of these products and propose replied measure of risk. It is of great significance to the balanced and sustained development of Internet Wealth Management.