Financial Risk And Supervision Research Of Yu'e Bao

Now Internet financial is one of the emerging market economies formats,including our country.More and more financial product innovation happen and Internet financial has changed the traditional financial model to a certain extent.Internet financial has a efficient rapid development and has an important influence on the people's consumption style and concept of modern finance under the generation, mining, safe data.Financial institutions began to develop online business in multi-channel, at the same time brought a certain impact on the traditional financial institutions, regulators are not determined about the supervision of Internet financial model.In addition, the Internet finance has been developing rapidly in recent years, each model website platform develop in fast rise on number, in providing consumers with more consumption at the same time,also brings the corresponding safety factor.As more people to participate in the financial market degree deepening, at the same time provide convenience in its financing channels,and is faced with new challenges in internet financial supervision. In this context,this paper discusses the Internet financial regulation is very necessary.Therefore, the content of this paper, the framework and research methods were discussed at the first, and then the analysis of the Internet financial risk regulations related in detail in this paper, the method and theory basis, detailed introduces the method of risk identification, risk assessment technology and the means of risk control; Then in order to more intuitive depiction of the Internet financial risk regulatory issues, as an example of analysis Yu'e Bao in risk identification, and then analyzes the related background of Yu'e Bao;on the basis of the design of the questionnaire named “the study on the use of risk investigation about Yu'e Bao”, through this questionnaire detailed understanding of the users for Yu'e Bao of risk awareness;And then carried on the risk measurement to Yu'e Bao through VaR, after a series of calculation and analysis, and finally makes Yu'e Bao ofrisk in a control situation, but there are still gains is not stable, high probability of default,systems and technology risk and uncertain risk factors such as external supervision policy.Then through the risk identification of the theory of Yu'e Bao risk identification using the method of determination of subjective risk.Finally based on the above empirical study, list Yu'e Bao risk supervision idea and strategy of myself, in order to ensure the healthy development of the Internet financial products to provide the corresponding reference opinions.