Research On Risk Control Of The Internet Fund

With the development of social economy, modern information technologies, Internet technology rapid development momentum, has the profound influence on people’s daily life. The industry began to gradually penetrate into the network, the change of people’s consumption concept at the same time, it is the development of vision into the financial field. Modern Internet technology is widely applied to financial markets, diversified development mode and using web search engines, social networking sites, online payment, such as cloud computing, optimization of financial market in the allocation of resources for the positive, using the Internet banking has become a common phenomenon. The Internet financial operation model has been established, and the fund as a daily financial means, there is an urgent need to establish and improve the Internet fund business model, in order to adapt to the development of the market economy. Especially in the balance of treasure released, is the Internet banking push to a higher stage of development. Internet platform open mode of innovation and development of financial products, "micro finance", "a gold suit" and other similar products are constantly introduced to the market. The huge impact and challenges to the traditional financial industry. But China’s existing Internet financial law making, but also the lack of a sound legal system, development of Internet fund still exist great risk, not only the existence of a fund of market risk, moral risk and liquidity risk, there are brought about by the development of Internet information technology risk and security risk. Under the new situation of development, both as investors or fund issuers should be under the premise of the analysis and understanding of risk and the risk of active avoidance. On this basis, the realization of investors, the third party payment mechanism and the sustainable development fund, for the development of the Internet Fund to provide strong legal protection and regulation, achieve maximum benefit of the fund.Therefore, in this paper, the risk control of the Internet Fund were studied from the related research background, purpose and significance of the research of on the basis of analysis to the domestic and foreign research present situation in, balance of treasure as the research object, combined with the related research methods, points out the key and breakthrough point. On the theory of Internet Fund were comprehensive analysis, carries on the detailed explanation to the Internet Fund concept, development mode and its development in the future., treasure for the balance of the generation and characteristics are described in detail. Based on the theoretical analysis, the status quo of the balance of treasure is discussed, that the development of the balance of treasure facing the risk aspects of payment risk, liquidity risk and security risk, policy risk and regulatory risk, market risk and industry risk such as wind and consumers, the causes of the risks of the analysis for the specific reason appears, and combined with the actual performance of the balance of treasure, try to put forward the countermeasures to control the risk of the balance of treasure, from the balance of treasure and traditional funds complement each other, improve relevant laws and regulations, establish and improve the operation safety supervision mechanism and strengthening the application of new technology and talent training to improve consumer safety awareness and further development of personalized service, the theory on the prevention and control measures of Internet Fund risk.