Study On Risk Analysis And Supervision Of Chinese Internet Finance

In recent years, with the popularization of Internet technology and mobile communication technology, the development of Internet finance in our country is rapid. Due to the situation that Yu’ebao made a great coup in June,2013, and2013is called’The First Year of Chinese Internet Finance’, internet enterprises march towards the financial field with the help of the advantages of e-commerce and information data. As a result, direct impact on traditional financial service is formed; far-reaching influence on finance model in our country is generated.At the second session of the12th National People’s Congress on March5th,2014, premier Li Keqiang explicitly proposed,’We will promote the healthy development of Internet banking, improve the mechanism for coordinating financial oversight, keep a close watch on the cross-border flow of capital, and ensure that no systemic or regional financial risks occur. We will ensure that financial services play an active role in meeting the needs of the real economy, including small and micro businesses, agriculture, rural areas, and farmers.’in the report on the work of the government. This is the first time that Internet finance has been put forward into the report on the work of the government; it marks that Internet finance enters into the view of decision-making level, reflects open mind, governing idea for the realization of inclusive growth, determination for pushing forward financial reform firmly, and general principles for encouraging innovations and development of the government, and also marks that Internet finance will formally enter into china’s economy and finance development sequence, and is expected to obtain rightful market positioning and attention of the decision-making level.This paper is divided into five parts. The first chapter is introduction; it introduces study purpose and meaning, study thinking and methods and possible innovations of the paper, and summarizes domestic and overseas study status based on the reading of many literatures. Starting from the functional perspective and organization perspective, the second chapter introduces the difference and relation between Internet finance and traditional finance, and analyzes impact and influences of Internet finance on traditional finance. Combining theory with practice, the third chapter analyzes risks and characteristics which are different from traditional finance of the Internet finance in detail by using classification analysis method and case analysis method. The fourth chapter introduces practical successful cases of supervision in international developed countries and regions. The fifth chapter analyzes that how does our country establish a perfect Internet finance supervision system, and puts forward reasonable opinions and suggestions to promote healthy and benign development of Internet finance in our country.