Internet Financial Risk Analysis And Prevention Research

At the Finance 40 annual meeting in 2012, the concept of Internet finance was first proposed. Internet financial patterns like Alipay and P2 P are gradually penetrating in public social life and serve the real economy. There are huge amounts of social demands of finance products under favorable economic condition. Compared with traditional finance, internet finance has an unparallel superiority. This concept was twice mentioned in the government report, at a heating stage of development, its development boom also attracted the attention of the society.Compared to the development of internet finance in the world, the development in China started late but grew rapidly. However, as a new- born thing, internet finance faces many problems as deficiency of systematic research, birth defects and shortage of supervision. ?Suggestions about promoting Internet Finance?launched by central ministries in July 18, 2015, making Internet financial risk analysis and prevention study more urgent. In this paper, we focus on this financial topical issue, on a basis of systematical summary, make thorough analysis of internet financial risks including its types, characteristics and harmfulness. It discussed the generation mechanism by macro and micro study of internet financial risks. I made a brief description of the convenient conditions of financial risk to spread.When made risk assessment on internet financial risk, I adopted case analysis method. I took P2 P for example. I took AHP method to make internet financial risk assessment. On the outset, I introduced concrete steps AHP method to classify it, and divided chief and secondary factors. Accordingly, I made a matrix, calculated weight to test consistency. Then,ascertained evaluating assembles and built misty general evaluating matrix to get final results. After that, I systematically came out that under open conditions how can we prevent internet financial risks in China. That means we should strengthen supervision and risk regulation, on the basis of a review of foreign regulatory experience, proposed the implementation of the principles and specific measures of China's Internet financial risk supervision from government, industry, business, consumers four perspectives to illustrate how to strengthen financial risk prevention of Internet regulation. These provided ideas with practical reference value, and promote the healthy and orderly development of internet finance to complete the great cause of reform.