The Warning Research On Internet Financial Risks

With the continuous innovation and rapid development of e-commerce and mobilenetwork technology. Internet technology began to prevail in areas of the financial industry.More need of financing capital in small or micro company and the increase of publicinvestment demand, make P2P lending show vigorous development tend as one mode ofinternet financial. As the main development mode of the Internet Finance, P2P shows the hugepotential, really brokes the restriction of areas and time, realizing offree internet of all aspects.In the P2P lending, the participants are very broad, relatively flexible access to funds andfaultiness warning regulatory policy, resulting in increasing the numbers of run-away eventsand capital chain rupture year by year. At the same time, the Internet Finance in our countrystarts relatively late, still in the primary stage of development and all aspects of themanagement faultiness. Facing the huge challenge, it is necessary to do research on the earlywarning of internet financial risks, which can play a reference role and produce somebenchmarking effect for the development of the industry and even the entire Internet finance.This paper takes early warning of Internet financial risk of P2P as the subject, throughin-depth analysis of the basic theory of the Internet Finance and its mode, P2P lending andearly warning of risk, identify the main risk factors for the development of the InternetFinance. Node selection principles and guidelines for risk assessment indicators of risk, thenaccordingly establish early warning index system, use Principal Component Analysiscombined With KLR signal analysis method establish a risk early warning model. Then takethe P2P lending for example, select20samples platform, determine the index data searchingfrom the network and experts, calculate, analyze, summarize, draw the synthesis score andranking, and judge the P2P lending where the warning state, and then to evaluate the result.Eventually come up with specific measures and suggestions for the healthy development ofP2P lending.