Research On The Risk Prevention And Control Of Mobile Finance

n Report on the Work of the Government of 2015, Premier of the State Council Li Keqiang put forward that “We will develop the ‘ nternet Plus’ action plan to integrate the mobile nternet, cloud computing, big data, and the nternet of Things with modern manufacturing, to encourage the healthy development of e-commerce, industrial networks,and nternet banking, and to guide nternet-based companies to increase their presence in the international market.” Now that the nternet has deeply infiltrated, influenced and changed economic and social development in various fields, especially the dynamic combination of mobile nternet and finance has produced nternet Finance which is based on the need to meet the wealth preservation and appreciation of the masses and the financing demand of vulnerable groups. n 2013, marked by the launching of Yu’e Bao,nternet Finance, especially mobile finance has witnessed an explosive growth. Since mobile finance can raise the financing efficiency, promote the process of inclusive finance,it has become a beneficial supplement to the current financing system.However, due to the lack of sound laws and regulations relating to mobile finance,neither there is the risk prevention and control system which is suitable to mobile finance,mobile financed is developing in a wild way with all kinds of risks foregrounding. Thus, to strengthen risk prevention and control system has become the practical needs to guarantee a safe and sound development of mobile finance and to maintain a stable financial system.This thesis mainly focuses on the risk prevention and control of mobile finance, and conducts analysis based on related theories in the field of economics, finance,and etc. t analyzes the status quo as well as risk prevention and control of mobile finance. Taking Alipay Wallet as an example, this thesis makes a comparative study between China other countries on risk prevention and control of mobile finance, thus putting forward related suggestions in this field.The thesis can be divided into seven chapters. The first chapter is the introduction. t mainly contains the research status in this field, research background and significance,research approaches and framework, research methods, new points. The second chapter discusses the concept and characteristic of mobile finance, the mode of mobile finance and risk recognition. The third chapter discusses the status quo of mobile finance in China by analyzing the emerging background, developing status, and current risk prevention and control situation. The fourth chapter is case study. t discusses the risks that Alipay Wallet is facing from the study of the mode of Alipay Wallet and its current operation. Then it putsforwards key risks existing of Alipay Wallet and discusses the status of the risk prevention and control of Alipay Wallet. At last, it compares the risk prevention and control system of Alipay with that of other related products. The fifth chapter discusses the current situation of the risk prevention and control systems of some developed and developing countries.Meanwhile, through the comparison to that of our country, the thesis comes up with some enlightenment to the building of the risk prevention and control system for our country.The sixth chapter provides policy suggestions to the risk prevention and control system from four perspectives, namely, law, supervision, technology and business credit. The seventh chapter contains the author’s conclusion and expectation.