Study On The Microfinance Risk Management Based On Internet Finance

With the constant development of economy in our country in recent years, the globalization of China's financial industry also gradually and in line with international standard.Microfinance also got very fast development in our country. Microfinance also got very fast development in our country. All kinds of microfinance companies appear thick and fast, microfinance model has become more and more abundant. With the concept of the Internet in recent years, more and more hot, many industries are in line with the age of the Internet to seek their own reform, play the advantages of big data, realize their own progress beyond the competition. In this context, many Internet models such as P2P and ali small loans microfinance business emerge in endlessly.But the emergency of financial innovation also means that the emergence of new risks. Due to the imperfection of credit system in our country and for lack of financial regulatory factors in Internet, the Internet mode microfinance industry continuously appear all sorts of risk, to a great extent, restrict the healthy development of the industry. Therefore, we must pass a series of measures under the background of Internet microfinance lending model researches in the risks, and take effective measures to control the risk.In the course of the study, i found that even in the Internet era, the risk of the traditional f inancial services still exist, and in the form of updates. Therefore, the risk management of thes e business strategies also need have the corresponding improvement. This paper put forward t he proposal of microfinance risk management strategies and the detailed risk management fra mework from the two aspects of microfinance mode and P2P mode. Through the study of the case study of YiXin, this paper constructs a personalized risk management model based on the comprehensive risk management theory and from the perspective of internal environmental a ssessment, goal setting and so on, proposed the system risk control theory such as the eight el ements of risk control theory. And Aiming at the problem of the mechanism of micro credit pl atform is not perfect and the industry is not standardized and other issues in the context of the Internet financial background to build the industry's risk regulatory framework map, and prop osed solutions,hope to be able to effectively control risk, make industry healthy and sustained development.