The Research Of Internet Financial Risk And Regulation

Internet finance is based on network technology,the traditional financial industry is derived on the basis of a new kind of financial model.It combines the advantages of the Internet,has realized the financial business operations across different regions,time,offers a convenient way of credit and payment,changed the traditional pattern of financial industry,at the same time,it brings convenience to people's life.Is because of the Internet financial is the combination of network and financial products,it can't evade the financial risk of the industry,and at the same time also to bear the risks of network platform,this creates difficulties for financial regulation of the industry,the Internet financial in China started late,but rapid development momentum,in today's Internet financial are full,how to see the hidden risks and sources,and develop a macro feasible risk regulatory measures is a priority for the industry people.The author as a financial industry entrepreneurs,studied the data of the domestic and foreign relevant documents,and combined with their experience,has carried on the comprehensive review on the Internet finance,and going to find Internet risk source,from the business risk,technology risk,legal risk from three aspects,analyze the source of risk,combined with foreign advanced risk regulation method at the same time,aiming at the particularity of China's financial industry,the feasibility of the measures are put forward.The main content of the article is divided into five parts: the first part is literature review,the article read by scholars in the field of financial risk for the Internet research,and analyze the domestic and foreign research results on this subject,clear paper to carry out the train of thought.The second part is about the Internet financial has carried on the comprehensive elaboration,has analyzed the rise of the Internet financial background,definition of the concept of industry,and combining with the development of China's Internet financial situation,for the characteristics are summarized,emphasized the Internet financial system of our country securities market,the stock market,the impact of the credit markets.The third part focuses on the analysis of the Internet financial risk source,from the perspective of deep mining Internet financial risk source,the article points out the risk from financial business risk,technology risk and legal risk,and spread out on three aspects,the Internet has a more in-depth understanding of financial risk sources.The fourth part is in part based on the analysis of the source of risk,proposed the corresponding risk regulatory strategy,the author argues that the particularity of China's financial industry,the Internet is stronger,at the same time of draw lessons from foreign advanced experience,to adjust measures to local conditions,seeking truth from facts,from the system innovation,industry self-discipline and information disclosure,talent training,credit system construction,improve the legal system to regulate the financial risk,to provide Internet financial development in our country.The fifth part is a review of the full text summary,the content for the paper.