Research On Financial Risk And Supervision Of Internet In China

Beginning in 2013,China’s Internet banking business has been rapid development,the new financial model accepted by more and more enterprises,institutions and consumers,the traditional financial industry had a major change in the time has come.Third-party payment companies launched the monetary fund financial services with their own investment threshold is low,it is convenient,flexible redemption,interest rate is relatively higher advantage,in a very short period of time will attract a large number of customers,trading volume is steadily rising,Internet banking started has been widespread concern of social public.Moment,Internet operations carried out a large number of e-commerce business,combined with its large data processing,can in the financial industry to develop all kinds of innovative financial products,direct impact on traditional financial industry survival mode is bound to the length of China’s financial industry far have a profound impact.However,with the continuous expansion of the scale of Internet banking business,a variety of risks are also coming together in a sudden surge.2016 in March has provided is now difficult,foot or even collapse,the size of funds of tens of billions of "e rent treasure collapsed,resulting in many investors not only did not get the expected interest income up to 40 net credit platform appears,even the principal is also difficult to preserve,these problems the company equipped with Internet platform,by the name of financial,in an attempt to illegally obtain personal ill gotten gains,in essence,is a Ponzi scheme.With a variety of Internet financial products innovation constantly on the line,the related risk is more complex,which brings a great challenge to the supervision.This thesis consists of five parts: the first part is the introduction,describes the research purpose,significance and methods,based on a large number of documents,the author analyzes and summarizes the research status at home and abroad.The second part points out the financial characteristics of the Internet is as well as the main mode of operation,summed up the new way of financial development in the Internet platform to change China’s traditional financial industry brought about by the.The third part is to elaborate the risk characteristics of Internet banking has,and shall be classified,for our country in the aspects of financial risk control of the Internet to provide ideas and direction.The fourth part introduces other countries in Internet financial regulatory risk measures for our country to have a good guide of Internet financial risk control.The fifth part summarizes the development of China’s Internet banking in the risk control measures should be taken to promote China’s Internet platform,the financial industry can be sustained and healthy development.