Research On Internet Financial Risk And Risk Management

Internet banking in the past two years set off a worldwide boom, has become the most popular wordsnowadays. Internet banking is an emerging field of traditional spirit of the financial industry and theInternet combine. Compared with traditional banking, Internet banking operations carried out by usingdifferent media, compared to the traditional financial sector more transparent, more collaborative andmore convenient operation. Financial terms of the extension on the Internet, it also can be extended toself-transfer, third-party payment, lending network, e-commerce, online banking and financial models.Internet banking has gone through three stages of development, the traditional Internet banking andInternet companies in the financial sector to compete. The current financial model for the Internet, thereare four, one financial institution promoting electronic process, the second is a highly competitivethird-party payment platform, the third is the gradual rise of P2P networks lending platform, four are yet tobe developed to improve the public to raise Mode. Low cost compared to traditional financial internetbanking, the advantages of high efficiency, a lot of economic data showed broad prospects fordevelopment of Internet banking.With the advent of the Internet era finance, economy deepened dependence on the Internet,prompting a variety of risk factors that we have to pay attention the existence of Internet banking.Financial risk through the internet, and found that its risks are: the systemic risk caused by the high-technature, mainly the risk of external support, information disclosure, risk and money laundering risk;market selection risk, mainly Internet convergence in financial markets caused by defective market risk,and the lack of a run-risk " lender of last resort " to protect brought; through the " balance of treasure " andother cases illustrate our current vacancy on the internet financial laws, legislative lag.Through comparative analysis, comparing the United States and Europe for the transverse currentsituation of Internet financial management in order to " balance treasure" Risk Management Case for startpoint, then combined with the actual situation of China’s Internet financial markets, the role of the marketin the play, improve regulatory approach, in a timely manner three dimensions of legislation proposed riskmanagement approach, namely to improve the market access mechanism, focusing on coordinationbetween innovation and regulation; Second, improve the regulatory system, focusing on regulatory and mixed supervision coordination of industry; Third, increase internet banking Legislative efforts to focus onthe coordination of national laws and foreign laws.In this paper, a lot of reference to actual cases of Internet banking, research the latest industry trends,the use of a more empirical and comparative analysis, and management of financial risk for the Internetmethod strong practical significance. Risk management methods provided herein, to a certain extent, beable to provide a reference for financial risk management of the domestic Internet. I believe that with thecontinuous development of the Internet to improve financial market regulation mechanisms and laws andregulations of the Internet can effectively manage financial risk, and then at the forefront of the world’sInternet financial industry.