The Research On The Internet Financial Risk And Countermeasure

Internet banking as a product of the information age, is the focus of modern financial experts and academics concerned. With the Internet platform efficient, convenient and timely features, customers in real time by the relevant platform to handle finance, investment, deposit and other operations, eliminating the need for users to transfer, queue remittance, inquiry and other personal business latency. Internet banking customers get the most recognition and favor, so it has remained in recent years, the momentum of rapid development. However, behind the booming Internet banking, due to the imperfections of domestic financial institutions to manage and market systems, Internet banking there are more problems in the development process, many risks in operations, credit, liquidity and so on. How to deal with domestic Internet banking problems in the development process, to improve its Internet banking operations and management, and promote domestic economic development is important. This paper chooses Balance Bao financial products for the study, questionnaires and interviews with a combination of research and analysis of the risk of the development of Internet financial products that exist in order to provide a viable response to the current development of Internet banking products and risks recommendations.The thesis is divided into six chapters. The first chapter is the background of this study, conducted elaborate research significance, research status. The second chapter describes the article covers the theory and concepts of Internet finance. The third chapter is the rise of the domestic Internet financial cause and impact analysis to explain the reasons for the rise of Internet banking technology from the network, both multiple needs, and analyzes the impact of the Internet on traditional banking and financial customers. Chapters IV and V full core chapters, Chapter IV questionnaires, interviews and other ways to finance the development of the Internet presence of risk conducted an investigation, the balance of risk and the development of financial products treasure summarized. Chapter V Chapter IV on the basis of risk analysis, combined with relevant theory and research literature, made recommendations to deal with the balance of risks for future development of the treasure. From improving operational and advocacy mechanisms, improve laws and regulations, improve the level of information technology platform, the development of personalized service and to strengthen training of employees and management measures proposed five levels. Finally, the paper summarizes the deficiencies that exist in the study, and on related issues were discussed.