Study On The Risk And Prevention Of China's Internet Finance

In recent years,the rapid development of Internet finance improves the utilization effciency of funds,and promotes the development of Inclusive Finance.But the legal system construction is not perfect,so problems hidden behind the risk have gradually emerged.Analysis of the financial risks of the Internet is not only conducive to the timely development of effective Internet financial risk prevention measures,but also is of great significance to promote the healthy development of Internet finance and maintain the stability of financial system.The theme of this paper is Internet finance.First of all,this paper combs the domestic and foreign scholars' research results on Internet financial risks and explains its theory.Secondly,this paper expounds the theoretical basis and the development of Internet banking,in order to provide theoretical support for this article.Then,based on the analysis of Internet financial risk attributes,this paper studies the Internet financial risk from credit risk,technology risk,liquidity risk and legal risk.By using the analytic hierarchy process,this paper takes some P2P network lending platform as the research object,and analyzes its risk.Finally,based on the comprehensive results of empirical analysis and summary of foreign Internet financial risk prevention on the basis of experience,this paper puts forward the policy recommendations of China's Internet financial risk prevention from the four aspects of credit system construction,information technology security,improve the legal system and strengthen supervision and cooperation.