The Strategy Study In Risk Management Of Internet Financial

The rise and development of internet financial is not only the integration of finance and technology,but also an innovative opportunity of finance forms,modes,financial theory and mechanism. Market participants called the industry that the internet companies in financial engaged in as the internet banking. while the traditional industry the internet business financial use as the financial Internet.However,with the penetration,integration of financial and internet,the boundary of this concept are becoming blurred. In broader terms, the internet refers to all financing behavior that achieved through internet technology.And I think the internet financial is the combining of the traditional financial sector and the modern information technology.Internet financial is an emerging field,“open,equality,cooperation,sharing” as it’s representative spirits.line of the financial sector,penetration of internet companies and financial ecosystem as it’s main manifestations,new orders of payment,information processing and the allocation of resources as it’s core mode.The emergence of the internet not only because of the strong desire of finance individual to reduce the financial costs,but also because of the strong support from the the rapid development of modern information technology.Therefore,it is the pull of demand and the push of supply together bring the results.Because of the accumulated discrimination to the small- and medium-sized enter prises and vulnerable groups,complicated approval process, and long processing time,a number of small loan companies and private lending appeared in small cities or rural China.With demographic change of consumers and the development of Internet tech nology,third-party payment companies become more and more popular.So the new In ternet finance and “P2P” company emerge by combination of them.Alibaba’s Alipay officially launched the "Balance treasure" feature in June 13 th,2013.Alipay users can tran sfer the money from Alipay account to “balance treasure”, and they can use it for cons umption, transfer,payment and other expenses.The most prominent feature is the abil ity to get investment income by purchasing Monetary Fund.and to obtain capital appreciation.The emergence of internet finance,bring a great opportunity to to the bank from multiple levels like channels,products,services,etc. Covering some blind spots of the traditional banking services,to some extent it is a supplement. to the traditional business banks.The innovative gene of internet not only led the industry to rethink their business model,but also let us make more study on the financial risks,how we avoid these risks.The difference between the internet financial and traditional financial business lies not only in the use of different media,more important is that through those tools such as internet,mobile internet,relying on it’s accumulation of "big database" of many years,the traditional financial services have better information transparency,better collaboration,lower intermediate costs,easier operation and a series of those features.The ultimate goal of different internet financial models is finance,finance is a special commodity, a commodity that with property features and non-commodity features-great risks.Sales,in products is the end of Merchandise sales’ life,while Sales in products is the beginning of financial commodity’s life that its ultimate goal is the back of products.For financial products, it’s hard to stop after taking the first step. So there are internet finance risks traditional financial also faced with :systematic risk,liquidity risk,credit risk,operation risk.Etc.Financial risk control strategy are,bound to put the risks and benefits into perspective.