Internet Financial Innovation Product Risk Monitoring Research

The Internet financial products in recent years have obtained rapid development. The Internet finance can be more healthy and orderly development, and by virtue of their own advantage sin the fierce competition, however, with the development of Internet financial products, more and more problems are gradually prominent, therefore, how to correctly judge the advantages and disadvantages of the Internet financial products, has the vital significance, the key is to solve the risk control and supervision of the two big problem.Balance of Treasure, pay treasure under the on-line on June 13, 2013 of a financial product. It was after the 6 days the number of users is as high as about 2500000. To the end of this year at the end of June, the Balance of Treasure asset size reached 574160000000 yuan, account number exceeded 81900000, the small banks of similar sizeand. This paper takes the Balance of Treasure as example, research on the risk control of current Internet financial products. First, this paper describes the general situation of the current Internet financial products, including its innovative features and current situation of supervision, and the possible risks, then, take the Balance of Treasure as an example, study on the risk of the Internet financial products, Including liquidity risk, payment risk, policy risk, credit risk and risk of return five aspects. Finally, This paper presents the risk control and supervision measures of the Balance of Treasure, the risk management Including the market, technology, credit risk control, and the risk supervision Including internet risk, the legal system, the deposit reserve, third party payment platform four aspects.This paper take Balance of Treasure as example, Research and explore the Internet financial products innovation risk and regulatory issues, in favor of promoting the development trend of Internet financial product innovation, helps to speed up the pace of financial industry throughout the Internet, and can better maintain the safety and benefits of the Internet to provide financial products the theory reference, has the important practical significance for improving the operation efficiency of the market economy of our country and our country’s economic competitive strength.