A Study On Internet Financial Risk And Its Precaution

In recent years,under the background of the national policy of supporting Internet innovation,Internet finance,as a new financial model,has been developed rapidly in our country and become an important supplement to China's financial system.However,with the rapid development of Internet finance,the risks unavoidably appear simultaneously.In order to ensure the secure,stable and sustainable development of Internet finance,it is very important to guard against the Internet financial risks.How to accurately assess the Internet financial risks,and put forward effective risk-precaution measures,has become a hot topic of current research.Based on the current research status of Internet finance and its precautions,this paper illustrates the general situation of Internet finance and the main Internet financial modes and makes a basic classification of Internet financial risks.And then a multi-level,multi-agent risk identification for the Internet finance is implemented from the national level,industry level and its own level.On this basis,the Internet financial risk assessment Index system including 8 first-level indicators and 23 secondary indicators is established.Then,by using the analytic hierarchy process(AHP),we combine the qualitative analysis and quantitative analysis to calculate the weight of the risk evaluation index of the Internet finance and further evaluate the overall risk level based on the fuzzy comprehensive evaluation method.A risk assessment model is constructed by using the AHP-fuzzy comprehensive evaluation method.Finally,based on the risk assessment results,five risk precaution measures and suggestions are put forward,and an Internet financial risk warning system integrating large data analysis is designed by considering the characteristics of Internet financial data.The combination of the two methods provides an effective reference standard for the precaution of Internet financial risks.