Research On The Risk And Supervision Of Internet Financial Development In China

In recent years,the rapid development of China's Internet financial industry has become an important economic growth point.Internet banking not only increasesChina's GDP,but also promotes the process of financial liberalization and financial deepening.However,Internet finance has strengthened the spread and transmission of financial fragility,which brings new challenges to China's financial security and macroeconomic operation.First,this paper analyzes the positive significance of the Internet to financial development by financial liberalization and financial deepening theory.Also,this paper analyzes the diffusion of Internet financial information asymmetry and liquidity risk with the financial fragility theory.On the basis of this discussion,this paper points out the problems and difficulties of Internet financial supervision in China,and discusses the experience and enlightenment to solve similar problems of Europe and the United States.Finally,this paper gives some countermeasures and suggestions for Internet financial supervision in China.