Research On Internet Financial Risk In China

Along with the expanding use of the scope of domestic Internet, because the network technology itself have the characteristics of convenient and can provide high efficiency and open trading conditions, the traditional financial industry also gradually integrated into the elements of Internet technology. In addition, the domestic business platform has increasingly become the financial industry constitute one, independent of the opening of financial innovation and the continued expansion of related service market of our country, reversing the traditional domestic financial services, the overall trend. So, the Internet banking model board on the stage. However, the Internet industry has always belonged to high risk areas, coupled with the operation model and the operation time is short, in all aspects of supervision, management and its facilities to its development speed is consistent, so definitely makes the financial hidden patterns is difficult to estimate the risk of.So. The use of the literature research method, comparative analysis method and empirical analysis method, from the beginning of Internet financial concept, classification and characteristics, deep interpretation of the mode of the current basic situation reveals which hides each kind of risk and risk specific formulation solutions. The article basically can be divided into the following parts:The first chapter is the introduction, which basically describes the research background, value and the current research situation at home and abroad, as well as the research methods, content, characteristics and innovation points.The second chapter is an overview of Internet financial model, this chapter basically by the concept of Internet banking and characteristics of these two aspects to be discussed.Chapter three is China’s Internet banking current development situation analysis, this chapter introduced Internet banking several major categories, followed by third-party payment, all the raise pattern, information on financial institutions and Internet banking platform, and discusses the basic situation of the several models at the present stage, seeking the high-speed forward process highlights the main problems.The fourth chapter is the risk of China’s Internet financial model. In turn by the network security, operational risk, credit risk, business risk and legal and reputation risks, detailed analysis of the hidden risks of the domestic Internet financial model, and give a certain judgment.The fifth chapter is about the risk characteristics of the Internet, from its controllability, infectious, external factors and the role of the amplification effect of the risk of several parts, the paper discusses the risk characteristics and changes in the situation.The sixth chapter for financial risk evaluation method of comparison, financial risk evaluation method basically consists of three, that qualitative evaluation, quantitative evaluation method and comprehensive evaluation method, this chapter is mainly of the three methods were compared to find the most appropriate way.Seventh chapter is to Alibaba microfinance company as an example for empirical study on the assessment of the risk of Internet, followed by a risk evaluation index selection, construction and operation results in the analysis of the start of empirical research and scientific evaluation of various indicators of the extent size.Chapter eight for the Internet financial risk prevention recommendations, the risk of various types described above and puts forward the corresponding measures, for the sustained and stable development of the domestic Internet banking play foundation, to ensure the smooth implementation of the diversification mechanism in financial markets.The innovation of this article generally includes two aspects, one is that analysis method, choose the fuzzy hierarchy analysis of various risk were analyzed in this paper. This method can make degree of the key indicators to establish a simple, rise from a qualitative judgement to quantitative calculation. In addition, the selection of indicators taking into account the meaning of two aspects of Internet technology and finance, to a great extent to explore all kinds of important indicators, but also established a numberof indicators are different from the previous set of standards.