Research On Internet Financial Risk Prevention And Control Of M Company

Internet banking originated in the developed countries of Europe, where it is known as the financial or Internet banking. In recent years, with the development of China’s information technology, the Internet Financial adaptation the new demand for financial markets, the rapid rise, and on the Internet and mobile Internet technology is the popularity of the foundation, with the development of e-commerce platform and gradually grow and began to flourish in invincible trend. Although Internet banking with its low cost, inclusive and strong, working efficiency and high degree of information characteristics, has been rapid development, and to a certain extent, contributed to the prosperity of China’s financial market. But it of traditional financial risk and Internet defects inherited and industry experience insufficient for the stability of the financial order of our country has brought many uncertain factors, faced with the credit, market, liquidity and other traditional financial risk and technical, legal, business and financial risk derived from the network. In order to guard against these risks, the Internet financial enterprises should further strengthen the internal management, improve credit system, optimize risk control system, ensure the network security, reliability, for the Internet financial health, sustainable development escort.In this paper, from the general to the specific research methods, by the analysis of the financial characteristics of the Internet, based on the discussion of the risk and risk prevention and control requirements of the M group, the Internet financial risk. Combining the risk of development of Internet banking in China M group is a typical integrated enterprises, the payment, financing, financing, credit and technical support and other Internet financial business is better, but it also faces from the bank, the transaction, payment environment, market competition and in the way capital and product management and so on, for the prevention and control of these risks, M group for its main business, the traditional means and modern science and technology, the establishment of the independent credit rating system, the whole flow program of credit risk control system, unique of the third party payment risk control system and many positive risk prevention measures, the formation of the enterprise at present the risk prevention and control system. In spite of this, but in the Internet banking risk prevention and control, group m still exist problems, data acquisition dimensions is not enough, products and information storage is too concentrated and lack of efficient credit objection complaint channels, credit requirement and control force is relatively low, risk remedial measures to be perfect and CTU unified humanity degree needs to further improve. Again and at present our country network data collection and use of legitimacy is not clear, credit network is able to accurate representation of the reality of the credit, such as uncertain factors, M group in the Internet banking risk prevention and control measures have yet to be further enhance. Therefore, the prevention and control practice of foreign advanced Internet banking business in after the study of the proposed to establish a unified system of risk control, optimize the product structure, information acquisition behavior norms, strengthen data sharing, pay attention to the reality of credit information, strengthen disciplinary mechanism, enhances the enterprise the Internet technology and the level of credit management and employee wind control quality, and so on, hoping to help for the M group of Internet banking risk control.To sum up, this paper on the theoretical basis of Internet Finance and its risk analysis of the universality, in-depth study of the M group in the actual Internet banking business, facing the risk, measures and existing problems. Finally, in reference to foreign Internet financial enterprise risk prevention and control practice of the premise, combined with the domestic Internet financial situation and the M group practice, the risk prevention of the corresponding countermeasures and suggestions.