Based On Credit System Of The Internet Financial Credit Risk Prevention And Control Research In China

With the rapid development of Internet technology,Internet finance has become an indispensable part of China's financial market.In order to make the financial market develop more smoothly,it is necessary to study the risk prevention and control of Internet finance.Internet technology is different from the traditional financial industry characteristics,the risk type is more complex,the risk prevention and control tasks more difficult,so for the Internet background of China's financial market trends,better adapt to the new pattern of financial changes,concerned about the Internet financial Risk characteristics,is the implementation of effective risk prevention and control of the inevitable choice.Credit risk has always been one of the major risk types of financial industry,but also has the characteristics of high risk and poor control,so credit risk is the primary task of financial industry risk prevention and control.In the traditional financial industry,the establishment of a reliable credit information system can be used as a valid basis for the prevention and control of credit risk,but based on the traditional financial industry model of the credit system is in the existence of serious loopholes and problems.This paper uses literature research and case analysis to study the subject.Through the literature research method to collect the theoretical information related to the subject research,clear the Internet financial background of the basic situation of the credit system,as well as the credit system is facing the risk of the problem for the study of the direction clear.Through the case analysis method,the credit risk prevention and control of Alipay is taken as the object of study,and its credit model and basic risk factors are analyzed,the specific problems of the research are clarified,and the corresponding risk prevention and control measures are put forward.Effective practice basis.This paper mainly studies the two concepts from the perspective of credit information system and credit risk prevention and control.Firstly,it makes a basic theoretical analysis of the two concepts and puts forward the role of credit system based on Internet finance and credit risk prevention and control.The financial risk of the Internet financial industry to conduct a comprehensive analysis,and clear the main problems and causes of credit risk;once again put forward China's Internet financial credit risk prevention and control based on the credit system to build the mechanism;Finally,the current Internet financial credit risk prevention and control Perfect measuresto make a comprehensive order,and to analyze the case to confirm the rationality of the conclusion.Through the research of this paper,it is clear that China's Internet financial credit risk prevention and control is facing more prominent financial risk problems,and various risk factors from the network and individual have a greater risk impact on Internet finance.Therefore,it is the most effective means to improve the credit risk prevention and control.It is aimed at the various credit risk factors which are easy to occur in Internet finance,and put forward the corresponding credit information system to improve the credit risk level of the Internet.Countermeasures,to these credit risk factors for more effective response to improve the risk of credit system prevention and control effect.The construction of the credit system under the Internet perspective needs to clear the Internet environment and establish a dynamic management system with the simultaneous development of Internet finance to meet the development needs of China's Internet finance.Drawing on the excellent experience of foreign countries,China's construction of credit system not only need to dock with the traditional credit platform,but also need to establish a large Internet-based data management platform to improve the collection of credit information.In addition,from the internal environment optimization,for the analysis of massive data to provide strong technical support,on the one hand to improve the efficiency of information processing,on the other hand to maximize the protection of credit information privacy and security.